The current market has been volatile and rates did increase but as the markets stabilize the rates may come back down. Do you have questions regarding refinancing? Contact Counsel Mortgage Group, we are here to counsel you through these decisions! – Text refi to 411923 We offer a variety of products and services, ask us how we can assist you today: Counsel Mortgage Group®, LLC www.counselmortgage.com 480-502-1000 NMLS #178927 AZ MB #0909580 CA DBO #60DBO43873 Copyright © 2020 Counsel Mortgage Group®, LLC.
Category: Mortgage Brokers
THE BIG ELEPHANT IN THE ROOM
COVID 19 and CARES Act are on the forefront of many minds currently. You may have heard that you can forbear on your mortgage payments during the COVID 19 pandemic. The first thing you need to do is contact your servicer. Make sure you understand how forbearance works and if it’s right for you long term; you may have to repay skipped payments later. If you decide forbearance isn’t the option you were looking for contact us at Counsel Mortgage Group. We are a mortgage broker. We have a variety of programs you may be unaware of that may better...
April 17, 2020April 17, 2020john
CONTACT COUNSEL MORTGAGE GROUP
Would you like to buy a home but you’re not sure if you’ll qualify? Don’t worry with all of the different products available today, you can get a mortgage. The issue just may be when. If you have less than perfect credit, you may have to repair your credit before you apply. Nevertheless, conventional loans can be made with credit scores down to 620, and FHA and VA loans with scores in the 500s. If you do not have a credit score, programs exist for alternative credit where the lenders will consider your rent, cell phone, or pay TV history....
April 3, 2020April 3, 2020john
DO YOU HAVE THE RIGHT LENDING SOURCE?
Are you looking to buy an apartment building or a multi-unit property? Or a business and the building it operates out of, such as a restaurant or a gas station? Do you need help financing this purchase? Who would you go to? Would you ask a friend? Would you go to your local bank? Did you know you have options for your financing? This is what we do. We help you find the right lending source for your purchase. Is an SBA loan or a conventional loan the right loan for you? Should you borrow from a bank, investment bank,...
March 27, 2020March 27, 2020john
CONTACT US, WE OFFER MORTGAGE COUNSELING
Years ago, in the depths of the mortgage crisis, I created a company to provide a solution to the problems created by the mortgage crisis. There were way too many loan officers putting people in loans they should not have qualified for, or simply not caring about their specific circumstances. Counsel Mortgage Group, LLC was formed to provide counsel to borrowers to help them choose the right loan product for their circumstances. This was 12 years ago. I am proud to say our concept has grown as we have hired people who have this same philosophy. In this world of high...
March 10, 2020March 10, 2020john
COUNSEL MORTGAGE GROUP
We are a brokerage based in Arizona licensed to provide services in both Arizona and California. We have relationships with many banks, insurance companies, and private investors and have access to wholesale rates and products that are not directly available to the public. We canvass our resources daily to find the lowest rates and costs for your situation. Even if you have a long-term banking relationship, we have been successful in finding lower rates and costs in the wholesale market. We believe borrowers deserve honest, ethical and competent service, enabling them to make informed decisions regarding their...
February 16, 2020November 22, 2020john
ARE YOU FEELING CONFUSED BY ALL THE MANY LOAN PROGRAMS AND PRODUCTS?
I often get asked, “What do I need to do to shop for a loan?” There are many different programs, products, and sales pitches, making it confusing to determine which loan product to choose. Even a plain 30-year fixed mortgage can be confusing, as some lenders will offer incentives such as payments to closing costs or appraisal. Although this may appear to be a great deal, you should look at the details to make sure the offer is as represented. When you are calling lenders asking for quotes, most people inquire about rates; the rate is just one piece of...
February 9, 2020February 9, 2020john
ARE YOU REALLY WORKING WITH MORTGAGE BROKER?
There is a movement in residential mortgage lending back to mortgage brokerage. The word is getting out that mortgage brokers have access to many different wholesale lenders and can offer wholesale rates and costs. However, I have noticed a trend of loan originators who are calling themselves mortgage brokers, but they are not mortgage brokers. Rather, they are mortgage bankers and work for a banker, not a broker. They may say they can also broker loans, but they typically bank the loan as they are usually incentivized to keep the loan in house. So, how can you determine if you...
January 13, 2020January 13, 2020john
12 YEAR ANNIVERSARY
PRESS RELEASE: Counsel Mortgage Group®, LLC, is proud to announce this month marks our 12 year anniversary as both a residential and commercial brokerage. Counsel Mortgage opened its doors during the depths of the mortgage crisis of 2007 in an effort to offer professional services at competitive rates and costs to meet the needs of homeowners facing the financial impasse. Counsel Mortgage was founded by an experienced attorney/CPA who felt people needed help during a very difficult time in our economy and provided guidance and assistance in choosing the right product and costs for the most important purchase of someone’s...
November 3, 2019November 3, 2019john
MORTGAGE BANKS AND MORTGAGE BROKERS
You have many different choices for where to get a mortgage. There are banks, mortgage banks, and mortgage brokers. Many try to sell you their products, for example, down payment assistance, free appraisals, first-time homebuyer loans, doctor’s loans, public employee (teachers, police officer) loans, etc. hoping you’ll bite on the sales pitch in lieu of less favorable terms on the loan. Ultimately, it is the loan you will be paying back. For example, it is important to ask about the terms of the loan, the amount of mortgage insurance, if any, or if there are any other loans that are...
October 25, 2019November 22, 2020john