Centex mortgage company

Dallas-based Centex, founded in 1950, is one of the nation’s leading home building companies. Its leading brands include Centex Homes, Fox & Jacobs Homes and CityHomes. In addition to its home building operations, Centex also offers mortgage, title and insurance services. Centex has ranked among the top three builders on FORTUNE magazine’s list of “America’s Most Admired Companies” for nine straight years and is a leader in quality and customer satisfaction.

HOME BUILDING
Centex consistently ranks among the largest multi-market, single-family home builders in the United States. Centex is the only company to rank among the Top 10 U.S. home builders for more than 40 consecutive years, according to Professional Builder magazine.

MORTGAGE, TITLE AND INSURANCE
CTX Mortgage
CTX Mortgage Company has more than 100 offices and is licensed to do business in 45 states and the District of Columbia. CTX Mortgage offers FHA/VA, conventional, conforming, jumbo and specialty loans. CTX Mortgage originated almost $14 billion of loans in fiscal 2007. Centex Title and Insurance

Centex's Title and Insurance
operations provide nationwide residential and commercial title insurance and settlement services, including low-cost property reports and appraisal products. Centex Insurance offers homeowners’ insurance to more than 100,000 customers nationwide and also offers life, auto, boat, commercial, home warranty and umbrella policies


When you choose Centex Homes to be your home builder, you are choosing a builder and a company that continuously receives recognition for excellence from its own industry and from the financial community as well. With awards ranging from being named "Most Admired Big Builder" multiple times by Big Builder magazine to FORTUNE magazine's list of "America's Most Admired Companies," Centex Homes stands tall as one of the nation's foremost builders of new homes. That we are worthy of such respect is very important to us and hopefully, it is equally important to you, because it sanctions our credibility and provides added assurance that you've made a wise choice in selecting Centex Homes.


Extensive Expertise Premier Community Locations Renowned quality and design
An exceptional homeowner experience Energy efficiency Business Partners:
CTX Mortgage Commerce Title Centex

Seattle Mortgage Company

Seattle Mortgage has the integrity, customer service and community commitment that have made us a leader in the home mortgage business for more than 60 years.

Competition and innovation in the mortgage industry have created a marketplace where today there is a loan available for nearly every borrower. As a mortgage banker, Seattle Mortgage Company has access to more than 90 loan products — and hundreds of variations of each — to suit your individual circumstances and goals.

Whether you are a buying your first home, trading up, downsizing to a condo or purchasing investment properties, we strive to find the most attractive mortgage and interest rate for you, recognizing that your loan is an important financial planning tool for your future. Our personalized, timely and proactive communications with our clients result in a smooth process and stress-free closings.

Our Products
Competition and innovation in the mortgage industry have created a marketplace where today there is a loan available for nearly every borrower.

As a mortgage banker, Seattle Mortgage Company has access to more than 90 loan products — and hundreds of variations of each — to suit your individual circumstances and goals.

Whether you are a buying your first home, trading up, refinancing, downsizing to a condo or purchasing investment properties, we strive to find the most attractive mortgage and interest, recognizing that your loan is an important financial planning tool for your future.

Conventional Loans
- Fixed-Rate Loans with terms up to 40 years
- Adjustable-Rate Loans
- Interest-Only Loans
- Jumbo and Super-Jumbo Loans
- Condominium Loans

First-Time Homebuyer Loans
- Community Homebuyer Loans
- Fannie Mae "My Community" Loans
- State First Time Homebuyer Programs*

Government-Insured Loans
- Federal Housing Administration (FHA)
- Veterans Administration (VA)

Investment Property Loans
- Single-family and Multi-unit loans

Reverse Mortgage Loans
(For homeowners 62 and older; available through select branches)
- FHA-insured Home Equity Conversion Mortgages
- Fannie Mae HomeKeeper
- The Independence Plan

Special Loan Features
- High loan-to-value ratios and up to 100 percent financing
- Options for no or reduced documentation and/or verification of income and assets for owner-occupied and investment properties
- Interest-rate buydowns

Loans subject to availability, approval and compliance with product requirements.*Participation varies by state.

Absolute Mortgage Company

Why choose Absolute?Absolute Mortgage is a premium mortgage company dedicated to providing affordable home loans for customers with various types of credit records. Whether you want a fixed rate mortgage, adjustable rate mortgage, a home equity loan, refinance, purchase, investment, or debt consolidation, we have a loan for you with the best lowest rates available.

We are licensed in:
Alabama ArizonaCalifornia Colorado Connecticut Delaware Florida Georgia
Illinois Massachusetts Maine Michigan Maryland Minnesota North Carolina
New Hampshire New Jersey Oklahoma Oregon Pennsylvania Rhode Island
Tennessee Virginia Vermont

As a licensed mortgage company that does business in 24 states, we realize that only two things matter.First and foremost, that we provide impeccable service and are accountable to every need and request of our customers.Second, that we make sure our customers receive the lowest rate and fee structure that a mortgage company can provide.If you are looking for a mortgage lender that is going to exceed your expectations, then please contact us.

We will tell you why we are different as a mortgage company, what milestones to expect during the lending process, and how we work with you every step of the way. Again, thank you for visiting today.The Absolute Mortgage Team

Fieldstone mortgage company

Fieldstone Mortgage Company maintains this site for your personal information, education, and communication. Your access and use of the website is subject to the following terms and conditions, which you accept without limitation or qualification by your access and use of the site.

1. You may NOT distribute, modify, transmit, reuse, repost or use the content of the site for public or commercial purposes, including the text and images, without written permission from Fieldstone Mortgage Company. Fieldstone does NOT warrant or represent that your use of materials on the site will not infringe on the rights of third parties, unrelated to Fieldstone.

2. While Fieldstone makes reasonable efforts to maintain and update the website with accurate information, it assumes no liability or responsibility for any errors or omissions.

3. Your use of and browsing in the website are at your own risk. Fieldstone Mortgage Company; nor any other party involved in your loan application originated through use of the site, assumes no responsibility and shall not be liable for any damages to you, your computer equipment, or other property on account of your access to, use of, browsing in, or downloading from the site.

4. Anything you transmit or post using the site, becomes the property of Fieldstone Mortgage Company and may be used for enhancement to the website and product development, however your personal information will be kept strictly confidential in accordance with our privacy policy below.

5. The trademarks, logos, and service marks displayed on the site are registered and unregistered trademarks of Fieldstone Mortgage Company. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any trademark displayed on the site without the written permission of Fieldstone Mortgage Company.

6. The information provided in the website is intended solely as general guidance on the home buying and financing processes, and does not constitute legal, tax, accounting, or other professional advice. State law in part guides real estate contracts, closing procedures, and disclosures. Individual situations and state laws vary. Users are encouraged to obtain appropriate advice for their circumstances.

7. Fieldstone may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions.

8. Any rights not expressly granted herein are reserved.

Internet Use
Protecting Your Privacy
Fieldstone Mortgage Company is committed to protecting your privacy. You have chosen to do business with us and we recognize our responsibility and obligation to keep the information you provide us secure and confidential. You can be sure that our commitment to protect your financial and personal information will continue under the principles and online guidelines described below.

Working to Meet your Needs Through Information
We hope that after reviewing the website, you will decide to apply for a loan online so that we can assist you in finding the best mortgage for your needs. When you apply online, we ask the same information that would be required in a handwritten, over-the-phone, or face-to-face application including, information about your employment, income, current residence, phone numbers, debts and monthly obligations, social security number and other personal information.

Keeping Your Information Secure
When you fill out an application online, your personal information is encrypted using 128-bit secure sockets layer encryption technology before being sent over the Internet. This makes it virtually impossible for your information to be stolen or intercepted while being transferred through cyberspace. To offer further protection to its website users applying for a loan online, Fieldstone DOES use Cookies. Once received, your application is kept encrypted until we are ready to process it. You will receive a written copy of your application and will be asked to sign it at or before consummation of the loan transaction.

How and Why Information is Shared
Your information is held in strict confidence with protection for you, both as a mortgage applicant and website user. We do NOT provide any information about you to any third party unless they are directly related to the loan process, like appraisers and mortgage professionals working on your application, and with our affiliates when allowable by applicable law. Just like a traditional lender, we will use your social security number, name, and current address to pull a credit report. We do NOT sell names or e-mail lists to third parties.

When Information is Collected and Not Collected
Some areas of our website require information, such as your email address and account number, to allow you to perform certain tasks (for example, track the status of your loan online.) In these cases, we collect information from you so that we can interact with you. Otherwise, you may browse the site anonymously and no personal information is collected. However, your visit itself, and how you use the web pages, may be recorded for marketing and statistical purposes to assist us in improving the website for future visitors. We gather and analyze data regarding usage of our website, including domain name, pages visited, length of user session, etc. to evaluate the effectiveness and usefulness of our site.

No Date "Capture" with Planning Tools
There are many planning tools throughout our website to help you make the financial decisions that are right for you in the privacy of your own home. We do not capture the personal information you provide on these planning tools, examples include the Mortgage Principal and Interest Calculator and the Debt Consolidation Calculator.

About "Cookies"
Fieldstone continuously strives to provide the best customer service possible. We use cookies as a part of our interaction with your browser in order to determine if you have previously visited our website and for a number of administrative purposes. A "cookie" is a small text file place on your hard drive by our web page server. Cookies are commonly used on websites and do not harm your system. By configuring your preferences or options in your browser, you can determine if and how a cookie will be accepted. These cookies do not collect personally identifiable information and we do not combine information collected through the use of cookies with other personal information to determine who you are or your e-mail address.

Gramm-Leach-Bliley Privacy Act
Introduction
Fieldstone knows that you expect privacy and security for your personal financial information. This privacy policy is designed to inform you of the types of information we collect from our customers, how we use that information, and the circumstances under which we will share it with third parties.

We Respect Your Privacy
Fieldstone respects your privacy and is committed to treating your information responsibly. We believe many consumers appreciate receiving offerings of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us and that you expect privacy and security for your personal and financial affairs.

Information Collection
Fieldstone will collect nonpublic personal information about you only where we reasonably believe the information will be necessary or useful in processing or administering your loan, or providing products, services and other opportunities that we think will be of interest to you. In this notice, the term nonpublic personal information refers to information about you that we receive from the sources described below and that is not otherwise lawfully available to the general public.

We collect nonpublic personal information about you from the following sources: (1) information we receive from you on applications or other forms, (2) information about your transactions with others, or us and (3) information we receive from consumer reporting agencies.

Information Sharing
Fieldstone does not share information with third parties and affiliates except as permitted by law.

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your nonpublic personal information, as expressed in this Privacy Policy.
We reserve the right to amend this policy upon written notice.

Commitment Mortgage Company

Commitment Mortgage Company is a professionally established residential and commercial mortgage company offering a myriad of mortgage loan services to the peoples of Connecticut, Vermont and Massachusetts for commercial and residential properties. Our mortgage company employs agents and mortgage brokers that have the experience and expertise to work for your best interests and make it happen. Our staff of mortgage service agents will make your borrowing experience with us as smooth as possible, striving to obtain a mortgage loan that suits your needs. We attract and partner with some of the most influential and competitive lending institutions to offer you customized loan programs that will work for you. We will find a mortgage loan program with our lender services that fit your budget, no matter your credit situation.
We will consider your financial status and produce a distinguished loan program that fits your budget. It is our mission to provide the best mortgage programs at the most competitive rates. Commitment Mortgage has a proven history of validity in securing loans with 100% financing and no money down with other mortgage loan services that include: home equity loans, first time buyers, second mortgages, construction, mixed-use mortgages, remodeling, bank foreclosures, refinancing, debt consolidation, non-occupied properties and more.
After taking your application, our mortgage service agent professionals do all they can to ensure that your loan presentation is presentable to the lender institutions; this extra effort makes an enormous difference when the lender analyzes your application for consideration. We use a sophisticated system that will help us find the perfect mortgage loan program for your specific situation. We take pride in product knowledge along with distinguishing a winning solution for our clients with a sense of dedication and commitment only found at Commitment Mortgage Company.
Our mortgage company offers residential and commercial mortgage loans for real estate properties in Connecticut, Vermont and Massachusetts with 100% financing, no money down, "no income verification" and "stated income" for the self-employed and salaried workers. Some loan programs offered are Conventional, Reverse and sub prime home loans for those who may have had prior credit problems and hard to qualify borrowers. Our company offers a variety of commercial financing options through Commitment Mortgage Company available to borrowers including: adjustable rate commercial loans, wrap around mortgages, credit lines, and balloon loans. There are many financing options available to commercial and residential borrowers through our company.
Commitment Mortgage Company offers solutions for every residential or commercial financing situation. Let our dedicated and knowledgeable group of professional agents guide you in finding the mortgage loan that best suits your purpose. Whether it's your first home, or challenges dealing with career transitions, self-employment or moving into the retirement stages, securing the right mortgage is our commitment. Let us work with your best interests in mind and live by our motto of "Every Loan Deserves a Home".

Why Mortgage Insurance Can Actually Save You Money

Mortgage insurance provides lenders a form of financial guarantee which protects the lender in cases in which the borrower defaults on a loan. For those looking to buy a home, agreeing to loan terms which include mortgage insurance, increases the purchasing power of the buyer a great deal. Agreeing to buy mortgage insurance allows individuals the opportunity to buy a home with a down payment of only 5%-10%, as opposed to the 20% that is often required when the lender does not have the guarantee of mortgage insurance.

Buyers typically purchase and pay for mortgage insurance in three different ways. These ways include paying in annuals, monthly premiums, or singles. We are going to take a closer look at the available mortgage insurance payment options below:

1.) Annuals: The annuals payment option allows the lender to collect the first year’s premium at closing and then all subsequent payments are made on a monthly basis.

2.) Monthly Premiums: This payment option requires the buyer to only pay for one month at closing and all remaining payments are then made on a monthly basis.

3.) Singles: The singles payment option requires the buyer to make a one-time single payment that is typically financed as part of the mortgage amount.

Mortgage insurance ensures the lender is covered in cases in which the borrower can no longer pay the loan and defaults on it. It is also a powerful bargaining tool for potential borrowers who are unable to come up with a large down payment. Offering to pay mortgage insurance can decrease the amount of ones’ down payment by 10% to 15%. But it is important to note that mortgage insurance does not have to be paid forever. After a certain period of time and when certain conditions are met, mortgage insurance is no longer required to be carried on the mortgage.

For more information on better Mortgages as well as great Mortgage Broker tips, tricks, and techniques and money-saving info visit

What to Expect at a Real Estate Closing

A real estate ”Closing” is the procedure by which the title to the property is transferred from the seller to the purchaser. If the purchaser has obtained a loan, the lender's required documents are signed and executed at this time.

The closing attorney's role at closing is to represent the lender's interest and the closing attorney is not authorized to provide legal advice to the buyer or the seller. You are more than welcome to have your attorney with you at the closing. But most people in Florida do not feel the need. Feel free to consult with your own attorney, if you feel legal advice is needed.

Prior to the Closing

ท You will need to obtain Homeowners Insurance and provide proof of intended coverage prior the closing. This must show the lender as loss payee. Have your insurance agent contact our office and we will be glad to supply them with the pertinent information needed.

ท If the terms of the contract have changed make sure we have been made aware of these changes. This may affect the loan amount or fees that will need to be adjusted. Handle disputes regarding contract terms, price negotiations and repairs prior to the closing.

ท Prior to the closing date the loan officer should advise you on the approximate amount of funds needed at the closing. We make every effort to provide an accurate amount needed to close the transaction. But please note that a "Good Faith Estimate" is merely an "estimate" and may not include some items that appear in the final calculation, such as owner's title insurance, homeowners dues, adjustments to the per day pre-paid interest, funds needed for the escrow account and other fees.

ท Contact your real estate and/or seller for any final details that need to be worked out prior to the closing.

At The Closing

For a typical closing, plan on spending about one hour's time with the closing attorney.

ท You will need to bring a photo identification and either certified funds or a cashier's check made payable to yourself. You can endorse it over to the attorney at the closing. If it is made out for too much the attorney will refund the overage. If it is not enough you may write a personal check for the difference. You may also need to bring other items required by the lender.

ท All parties will review of the HUD-1 Settlement Statement detailing costs and make any adjustments if necessary.

ท You have a right to read all of your closing documents before you sign. The closing attorney will give you concise explanations of each document. The closing documents must be executed as written. No changes may be made to the wording of the lenders closing loan documents.

ท A review of the termite clearance letter obtained by the seller indicating that the letter is not more than 30 days old and verifying that no active infestation was found and no structural inspection was required.

ท The disbursement of the proceeds of the transaction and a payoff of all current liens against the property.

After the Closing

To complete the closing of the transaction, the attorney will do the following:

ท Record in the county land records all documents such as the warranty and security deeds.

ท Return to the lender the completed loan package.

ท Disburse all funds in accordance with the HUD-1 Settlement Statement.
Real estate closings vary by state but this should give you an overview of what will take place. If you have any question speak with your loan officer prior to the closing,

Adrian Skiles, GML

Mr. Skiles, GML has over 20 years experience in the mortgage and real estate industry. He is currently President/Broker of Florida MortgageGroup, Atlanta Mortgage Group and The Mortgage Group of North Carolina. On the web at http://www.efloridamortgagegroup.com/, http://www.atlantamortgagegroup.com/ and http://www.mortgages-northcarolina.com/.

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