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| No nonsense! No gimmicks! No charge! Loan Search's free service offers NJ'S LOWEST RATES AND MOST FAVORABLE TERMS from the most competitive local FDIC-insured banks - not out-of-state mortgage lenders or brokers. The rates we quote equal or beat the best rates available from any New Jersey lender over 90% of the time. | |||
Since 1994, we have helped homebuyers secure NEARLY $2 BILLION IN LOANS. Our service has been featured in the Star-Ledger, major New Jersey business periodicals, and on financial talk shows. Loan Search has been praised by consumers and financial experts alike: |
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| Our salaried
staff is lender and product neutral. Our only goal is to help you
obtain the best financing based on your circumstances and objectives.
You get fast, accurate, thorough, unbiased information with no hassles,
pressure or deceptive sales practices. No need to spend hours making
endless calls or being confused by unfamiliar terms. Loan Search will
put any quotation in writing including all bank fees, rate locks and
other terms and requirements you need to make an educated decision. |
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How Does it Work? |
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| To receive a rate quote, take a few minutes to fill out our on-line form. A Loan Search representative will match your information and requirements to our participating banks. Within 24 hours of receiving your information, we will e-mail you the best rates, fees and other terms available on the mortgage programs you select. If you prefer, call us direct at 1-800-591-3279. Your information remains confidential! It is never sold or provided to a third party except to the bank where you decide to apply. | |||
| Once you decide
which mortgage program best fits your requirements, you deal directly
with a reputable, federally regulated bank where you can confirm all
of the information provided by Loan Search. When you are fully satisfied
with the bank's rates and terms, you can apply directly with the bank
or a Loan Search representative can assist you over the phone or in
the comfort of your own home. |
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Why Use Loan Search? |
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| Making the right decision means being fully informed and knowing where to shop. Loan Search enables you to quickly and conveniently obtain the best quotes currently available from many of New Jersey's most competitive lenders with complete disclosure of all terms and fees. Loan Search pre-qualifies you against each lender's underwriting requirements assuring quotes only from lenders who can meet your loan requirements. If you think you have already found a great loan, we'll either confirm it for you or find you an even better one. Either way you have everything to gain! | |||
Are you a first time homebuyer or have low to moderate income? |
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| Some banks offer special rates to first time homebuyers with low to moderate income programs within specific lending areas. These programs offer discounted rates, fees, or No PMI options with 10% down payments. | |||
Is your closing more than 75 days away? |
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| Most bank and mortgage companies offer rate locks for a maximum of 75, 60 and even 45 days. We have extended rate lock programs available at little or no cost which offer interest rate protection for up to 180 days while giving you the option of lowering your rate prior to closing. | |||
Still shopping around? |
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| Many of the banks in our program offer loans on properties throughout New Jersey but due to the high cost involved, limit their advertising to communities where their offices are located. As a result, a borrower purchasing property in Middlesex County may never think of calling a bank in Passaic County which may have the best rate. Each week, Loan Search surveys over 140 lenders in New Jersey to ensure our rates are the most competitive. | |||
Can't decide which program is best for you? |
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Loan Search representatives are helpful, knowledgeable individuals
who can help you determine which loan is best for you. Can't decide
between an adjustable rate mortgage or a fixed rate mortgage, points
or no points? We'll give you the pros and cons of each. Have a quote
from another lender? We'll tell you how it stacks up against other
programs available. Still shopping around? We encourage our customer's
to become educated mortgage consumers and suggest questions you need
to ask to ensure you're getting the most competitive program available. |
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