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抵押贷款

为何选择直接理财办理按揭贷款?

There are a number of institutions that buyers can choose to apply to for home loans in Detroit, but those who want superior 利率 and reasonable terms turn to 直接金融. 作为一个值得信赖的抵押贷款提供者, there are a number of reasons why our clients choose us over others for their needs. Our lending specialists are some of the most experienced in the industry, and they are ready to get you into a home with personalized service and options to meet most buyer’s needs.

Our financial team is ready to discuss a variety of options for current homeowners, 首次购房者, and we also assist with refinancing mortgage loans to keep owners headed in the right direction financially. 直接金融为主要住宅提供贷款, 季节性的属性, 度假屋, 还有传统抵押贷款的选择, 可调利率抵押贷款, 巨额抵押贷款和许多其他的.

We’ll help you find the home loan that’s optimal for your situation with choices that are tailored for your individual goals. Our financial officers help buyers take advantage of every benefit possible throughout the process with programs that allow you to pick the rate and terms of your mortgage loan and take advantage of our low closing costs.

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首次购房者的按揭贷款

直接金融 is committed to providing first-time homebuyers in Greater Metro Detroit area with reasonable and fair mortgage options. We understand that the upfront and ongoing costs of homeownership can seem overwhelming when buying a first home. 然而, we have several home mortgage options for 首次购房者 as well as government-sponsored loans.

No longer is the standard rule of thumb that a 20% down payment is required on a home loan. 取决于你的情况, you may qualify for a mortgage with as little as three percent down or even zero down under certain first-time buyer programs.

A great option for first-time home buyers is 直接金融’s H.O.M.E. Program that allows buyers to choose an adjustable-rate mortgage that is priced under our fixed 利率 with flexible underwriting guidelines and reduced-price insurance.

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  1. 查看我们的按揭清单
  2. 收集你的文档
  3. 完成我们简单的在线申请
  4. 锁定低利率
  5. 评审过程开始
  6. 得到预先核准的

直接金融有一个简单的申请过程

这里是直接金融, we strive to make it easy for home buyers in the Greater Metro Detroit area to apply for a mortgage loan with our company. Our application process is a simple four-step process that is user-friendly, 您的在线申请可以随时保存, giving applicants the time they need to accumulate paperwork as needed.

The first step to obtaining a home loan from 直接金融 to secure your home is to fill out our application using our user-friendly online portal. In-person application meetings are available by appointment only. We suggest submitting applications at least three months prior to your desired moving date. This lead time allows you to complete the financing process in ample time to prevent any delays at closing.

You will meet with your loan officer in the preapproval stage to go over your potential payments, 利率, 以及结案成本估算. Your official loan estimate will only be issued once you have selected a property and have submitted your purchase and sales agreement to your loan officer.

下一部分, 如果您对贷款估计满意, will be to submit the final necessary to confirm your fiscal ability to repay the loan. 我们将向您发送一份清单，其中包含所需的信息.

从这里开始:抵押贷款基础知识

为你现有的抵押贷款再融资

这里是直接金融, we have streamlined the process for refinancing existing mortgage loans. Perhaps you are interested in changing the current terms or rate of your home loan. Maybe it’s time to take on paying off high-interest rate credit cards or making home improvements. There are several refinancing options that can put more cash in your pocket and ease financial strain.

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找到适合你的住房贷款

直接金融抵押贷款人员经验丰富, local experts who will help you get the home financing that's right for you.

We offer loans for primary residences, veterans, jumbo mortgages, 季节性的属性, and more.

了解直接金融按揭贷款类型