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We Encourage You To Explore The Many Morgage Programs Available To You
Below you will find a list of common loan programs. Follow the link of a given program to read detailed explanations about that type of morgage.
As well, you will find a
Morgage Glossary located in the bottom section of this page.
- Fixed Rate Morgage - What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage?
- Adjustable Rate Morgage - Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Morgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR
- Balloon Morgage - What is a Balloon Morgage? When would it make sense for you?
- Home Equity Loan - 2nd Morgage - Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you
- FHA - VA Morgage - Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs
- Documentation Options - What are the differences between Full Documentation (Full Doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?
- 40 Year Morgage - We offer a variety of Term options. One of the more increasingly popular options is the 40 Year Term
- 50 Year Morgage - Going one step further is the 50 Year Term. Read about the benefits of this program
View a Complete
Morgage Terms List Here.
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What are mortgage points and when, if ever, does it make sense to pay them?
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What are the 'real' costs of my Mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...
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Compare the lowest California Morgage Rates...
Find Common Loan Terms Using This Helpful
MORGAGE GLOSSARY Offered By Ascendant Financial
Amortization; The repayment of principal from scheduled morgage payments...Read More
Amortization Schedule; An amortization schedule is a table detailing each periodic payment on a loan...Read More
Annual Percentage Rate - APR; The Annual Percentage Rate, which must be reported by lenders...Read More
Biweekly Morgage; a loan payment plan where borrowers make payments to principal & interest every 2 weeks...Read More
Bridge Loan; A bridge loan is a type of hard money loan wherein guidelines for approval...Read More
Cash Out Morgage; This phrase specifically refers to equity being liquidated from a property beyond...Read More
Conforming Morgage; a loan that meets bank funding criteria. Because of its stake in the...Read More
Debt to Income Ratio; formula that lenders use to qualify borrowers using income and debt...Read More
Discount Points; are used to 'buy a rate down' to a lower interest rate that would otherwise not be available...Read More
Good Faith Estimate;
quick explanations will help you understand many of these closing costs, and how you can save...Read More
Interest Only Morgage ; this is when the scheduled monthly payments have the option to pay only the due interest...Read More
Jumbo ; refers to a loan amount that is above the current Conforming Loan limits...Read More
Negative Amortization; is when a borrower pays back less than the full amount of interest owed each month....Read More
Option Arm; gives the option of making one of several different payment options in a given month...Read More
PMI; Private Mortgage Insurance a type of lender-required expense on loans above 80% LTV...Read More
Reverse Morgage; is when your monthly payment is added to the balance of your loan rather than being paid...Read More
Those with less-than-perfect credit can review our Bad Credit Morgage options.
Be Sure To Locate Your City Using This Complete Cities List and State List
San Jose; is the county seat of Santa Clara County is is the third largest city in California...Read More
Company Rates; This is a list of some of the best known companies in the country and even a few international ones...Read More
Austin; is the 4th largest city in Texas and the county seat of Travis County...Read More
Baltimore; the largest city in Maryland with a population of about 641,943...Read More
Boston; the largest city in New England and the most populous city in the Commonwealth of Massachusetts...Read More
Charlotte; North Carolina city has become a home for many major financial institutions...Read More
Columbus; the largest city and capital of the state of Ohio...Read More
Denver; the capital of Colorado, Denver is also the most populous city within a 600 mile area...Read More
Fort Worth; this Northern Texas city is the county seat of Tarrant County...Read More
Louisville; is located on the Falls of Ohio and is known as the 'Northernmost Southern City'. It is the capital of Kentucky...Read More
Memphis; the 2nd largest city in the Southeast, Memphis is also the county seat if Shelby County Compare...Read More
Nashville; the capital of Tennessee and renowned as a home of Country Music...Read More
Seattle; the largest city in the Pacific Northwest, Seattle is located between Puget Sound and Lake Washington in the state of Washington...Read More
Atlanta; the largest city in Georgia is punctuated with highrise and midrise buildings of modern and postmodern vintage. ...Read More
Companies; This page provides resources for some of the better known lending entities in the world. Search here for your next lender...Read More
Kansas City; the most populous city in Missouri it is located at the junction of the Missouri and Kansas rivers...Read More
Las Vegas; is an internationally known vacation, shopping, entertainment and gambling destination...Read More
Miami; located in the northern Biscayne Bay it is the largest city in the South Florida metropolitan area...Read More
Companies USA; Browse through top banks and lenders to see who has the best refinance rates...Read More
Portland; located in the Pacific Northwest this city is known for strong land-use planning and investment in public transit...Read More
Chicago; the largest city in the Midwest and the 3rd largest in the United States...Read More
Dallas; is well known for its role in the petroleum industry, telecommunications, computer technology, banking, and transportation...Read More
Houston; was incorporated on June 5, 1837 and named after General Sam Houston...Read More
Indianapolis; is the capital of Indiana and the county seat of Marion County...Read More
Jacksonville; is the most populous city in Florida and the county seat of Duval County...Read More
New York; located in Southern New York, this is the largest city in the U.S...Read More
Los Angeles; the largest city in California and a center for the entertainment industry...Read More
Philadelphia; the largest city in Pennsylvania is often referred to as Philly of the City of Brotherly Love...Read More
Phoenix; this capital city is the largest in Arizona and is also the county seat of Maricopa County...Read More
San Antonio; the 2nd largest city in Texas is known for its riverwalk, the Alamo and Tejano culture...Read More
San Diego; a coastal city in Southern California with a population of about 1.2 million citizens...Read More
San Francisco; is renowned for its chilly summer fog, steep rolling hills, an eclectic mix of Victorian and modern architecture...Read More
Select Your Bank From the List Below and Beat The Banks Today
Abn Amro; is one of the largest banks in Europe and has operations all over the world with a history going back to 1824...Read More
Bank of America; is the largest bank in the U.S.A. in terms of deposits and the third largest company in the world...Read More
Chase; now part of JPMorgan Chase, was formed by the merger of the Chase National Bank and the Bank of the Manhattan Company...Read More
Citimorgage; is the home loan arm of Citibank/Citigroup and is recognized as one of the largest financial institutions in the world compare...Read More
Countrywide; is the largest originator of home loans in the country with both retail and wholesale operations...Read More
Freedom; makes lending programs available nationwide through a network of retail officers and approved wholesale partners...Read More
GMAC; has automotive financing, insurance and mortgage operations in 40 countries around the world...Read More
HSBC; is a well known international financial corporation with operations that include mortgages, secured loans, auto loans, personal noncredit loans...Read More
ING Direct; is an international banking, asset management and insurance company based in Netherlands...Read More
National City; this Cleveland, Ohio based company is one of the 10 largest American banks in terms of total deposits...Read More
Option One; originates loans on a wholesale and correspondent basis through a network of 43,000 approved brokers...Read More
Saxon Morgage; is one of the few subprime lenders to survive the 'Meltdown' of 2007...Read More
SunTrust; was founded 1885 in Atlanta, Georgia, where its headquarters remain...Read More
Wachovia; has banking centers in 15 East coast states and Washington, D.C. as well as in six Latin American countries, and investment banking clients in selected industries nationwide...Read More
Washington Mutual; operates more than 2,600 retail banking, mortgage lending, commercial banking, and financial services offices ...Read More
Wells Fargo; is a result of a merger between California-based Wells Fargo & Co. and Minneapolis-based Norwest Corporation in 1998...Read More
The following is a partial list of banks whose Morgage Deals we are guaranteed to beat
Barclays Bank
is an internationl company that is recognized as the 4th largest financial services provider
in the world and the 18th largest company overall...Read More
Capital One
is a Fortune 500 company that specializes in home loans, auto loans, credit cards, savings and
banking products...Read More
Charter One
is a well-known US Bank that was recently purchased by Citizens Financial Group and now operates
as Citizens Bank...Read More
Chevy Chase Bank
is a nationwide Federally Chartered Thrift that is the largest locally-based banking company
in the Washington Metro area...Read More
Citizens Bank
is large banking and morgage company that began in 1828. It is actually owned by the Royal Bank
of Scotland...Read More
Compass Bank
is a financial holding company and is recognized as one of the nations largest twenty-five banks.
It's headquartered in Birmingham, Alabama...Read More
Fifth Third Bank
is a financial services company that operates over 1,200 banking centers primarily in the Midwest...Read More
First National
is a large US Bank based in Omaha, Nebraska that offers a variety of morgage and banking services...Read More
Household Bank
is still a recognized name in the banking world even though it was acquired by Hong Kong based HSBC...Read More
Huntington Bank
is a bank holding company that is headquartered in Ohio. It is one of the 25 largest banks in the
country...Read More
Indymac
is a leading Savings and Loan company that ranks as the seventh largest originator of morgages in
the nation...Read More
Key Bank
This Cleveland, Ohio based bank ranks as the 16th largest in the US based on total deposits and is
owned by KeyCorp...Read More
LaSalle Bank
is a Chicago based bank with operations in over 60 countries and more than 100,000 employees. It has
recently been acquired by Bank of America...Read More
Sovereign Bank
is a bank that primarily serves the NorthEastern market of the US and offers products such as morgages,
corporate banking wealth management, etc...Read More
Union Bank
is the operating name of a number of large and well-known banks offering banking and morgage services
to consumers...Read More
Morgage Choice
is a leading broker in Australia. About 5% of all loans in Australia are originated by this brokerage...Read More
Morgage Express
is the the specialist lending arm of Bradford and Bingley. They specialize in buy-to-let morgages...Read More
Morgage Intelligence
is a subsidiary of GMAC and operates as both a broker and lender through out Canada...Read More
This is your resource for all Cal Morgage loan services...serving the greater
Los Angeles area and beyond.
Your California Morgage Broker for low interest rates
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Morgage Rates - Refinance at the lowest home loan rates available...
Interest Rates Guaranteed Less Than All Major Banks in the Nation
