Services of Mortgage Architects
Mortgage Professionals
Service
Mortgage Pre-Approval
This is a smart step, as it ensures your mortgage rate is guaranteed for up to four months. Home sellers will know you’re serious, and you’ll have peace of mind knowing just what you can afford.
With a pre-approval in hand, you’ll be able to confidently shop for your dream home, knowing exactly how much you can borrow and what your monthly payments will be. This can give you a significant advantage in today’s competitive real estate market, where multiple offers are common.
Our experienced mortgage professionals will guide you through the pre-approval process, which typically takes only a few days. We’ll review your financial information, credit history, and other factors to determine how much we can lend you. Then, we’ll provide you with a written pre-approval certificate stating the approved loan amount, interest rate, and term.
With a pre-approval in hand, you’ll be able to confidently shop for your dream home, knowing exactly how much you can borrow and what your monthly payments will be. This can give you a significant advantage in today’s competitive real estate market, where multiple offers are common.
Our experienced mortgage professionals will guide you through the pre-approval process, which typically takes only a few days. We’ll review your financial information, credit history, and other factors to determine how much we can lend you. Then, we’ll provide you with a written pre-approval certificate stating the approved loan amount, interest rate, and term.
Service
Fixed & Variable Rate
Fixed and variable rate mortgages are two of the most common types of home loans available to borrowers. Understanding the key differences between these two options is crucial in making an informed decision when purchasing a property.
A fixed rate mortgage, as the name suggests, has an interest rate that remains constant throughout the term of the loan. This means that the borrower’s monthly repayments will be the same every month, making it easier to budget and plan finances. Fixed rate mortgages are often preferred by those who value stability and predictability, as they provide protection against potential interest rate increases. Additionally, fixed rate mortgages tend to offer more security, as the borrower is sheltered from market fluctuations that could impact their mortgage repayments.
A fixed rate mortgage, as the name suggests, has an interest rate that remains constant throughout the term of the loan. This means that the borrower’s monthly repayments will be the same every month, making it easier to budget and plan finances. Fixed rate mortgages are often preferred by those who value stability and predictability, as they provide protection against potential interest rate increases. Additionally, fixed rate mortgages tend to offer more security, as the borrower is sheltered from market fluctuations that could impact their mortgage repayments.
Service
Mortgage Refinancing
There can be so many benefits to refinancing your existing mortgage. If you have debt but are worried about your mortgage balance increasing you can take comfort knowing that you would be borrowing at a much lower rate than your credit card, loan or unsecured line of credit.
Remortgaging can help you relieve a ton of pressure and stress. Consolidating your monthly payment obligations in one single payment or even two can have a big impact on your mental state. Life can be busy and that means having to juggle many things like work, family, and even friends. When you add all those things into the mix with your financial woe’s things can start to weigh down on you.
Remortgaging can help you relieve a ton of pressure and stress. Consolidating your monthly payment obligations in one single payment or even two can have a big impact on your mental state. Life can be busy and that means having to juggle many things like work, family, and even friends. When you add all those things into the mix with your financial woe’s things can start to weigh down on you.
Service
Mortgage Renewal
As your mortgage renewal date approaches, it’s essential to start thinking about your options. Whether you’re looking to refinance, switch lenders, or stay with your current mortgage provider, navigating the mortgage renewal process can be overwhelming. We’ll walk you through the steps to secure the best deal for your mortgage renewal, ensuring you’re well-prepared to make an informed decision.
Why Renew Your Mortgage?
Mortgage renewal is an opportunity to reassess your financial situation and explore options that better suit your current needs. Perhaps your credit score has improved, or you’ve paid down a significant portion of your principal amount. Whatever the reason, renewing your mortgage can help you:
Why Renew Your Mortgage?
Mortgage renewal is an opportunity to reassess your financial situation and explore options that better suit your current needs. Perhaps your credit score has improved, or you’ve paid down a significant portion of your principal amount. Whatever the reason, renewing your mortgage can help you:
Service
Rental Properties Mortgage
As a savvy investor, you understand the importance of diversifying your portfolio to ensure long-term financial growth. One of the most lucrative investment opportunities available is rental properties, which can provide a steady stream of passive income and significant returns on investment. However, securing a mortgage for rental properties can be a complex and daunting process, especially for first-time investors.
That’s why it’s essential to work with a reputable lender who specializes in rental properties mortgage options. These lenders offer a range of loan products designed specifically for real estate investors, providing the flexibility and financing you need to grow your portfolio.
That’s why it’s essential to work with a reputable lender who specializes in rental properties mortgage options. These lenders offer a range of loan products designed specifically for real estate investors, providing the flexibility and financing you need to grow your portfolio.
Service
Home Equity
What is a Home Equity Loan?
Home equity loans refer to money you can borrow against the equity in your home, which is the difference between your home’s market value and any mortgages.
For instance, if your home is worth $300,000, and you owe $150,000 on your mortgage, you have approximately $150,000 in home equity. The equity in your home will increase when you pay down your mortgage and when the value of your home increases.
For instance, if your home is worth $300,000, and you owe $150,000 on your mortgage, you have approximately $150,000 in home equity. The equity in your home will increase when you pay down your mortgage and when the value of your home increases.
What our Mortgage
Administration Services Include
A knowledgeable team with years of experience successfully managing thousands of mortgages – that’s what you get when you deal with CMI. Backed by streamlined processes and a fully integrated software solution, you can enjoy peace of mind knowing your mortgage investments are professionally managed and monitored.
- Stringent administrative oversight led by an expert team and backed by leading-edge software.
- Communications management, including borrower correspondence, and special requests.
- Repayment management, including direct payment processing (pre-authorized or PAD withdrawals) and recouping missed or returned payments.
- Default management, including the recovery and repayment process.
- Mortgage enforcement, where required, including property preparation, listing and management of the sales process.
- Mortgage renewal, including assessment of renewal potential and borrower correspondence.
- Mortgage discharge, including ensuring all borrower fees have been paid and outstanding expenses and/or interest fully recouped.
LET'S GET STARTED!
Free Consultation
Our Investment Managers are here to assist you with any questions you may have about mortgage investing with CMI. Whether there’s a specific investment opportunity you’re interested in or you just want to learn more, we’re here to help.
Requesting A Call
(204)404-1313