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Our rates are competitive and updated regularly. For the most accurate, personalized rate quote based on your financial situation, we recommend requesting a free, no-obligation quote or speaking with one of our loan officers.
The amount can vary! While 20% is traditional, there are many loan programs (like FHA loans) that require as little as 3-3.5% down. We can help you explore all the options you qualify for.
A fixed-rate mortgage locks in your interest rate for the entire life of the loan, providing predictable payments. An ARM has a low initial fixed rate for a set period, which then adjusts periodically. We can help you decide which is best for your long-term plans.
The pre-approval process is simple! You'll provide some financial documentation (like pay stubs and bank statements), and we'll review your credit. Once pre-approved, you'll know exactly how much you can borrow, making you a stronger buyer.
From application to closing, the process typically takes between 30 to 45 days. Our efficient team at Mort Freedom Stand is dedicated to making your experience as fast and smooth as possible.
We know that every homeowner’s situation is unique. If your question wasn’t answered here, don’t hesitate to reach out. Our mission is to provide a hassle-free mortgage experience tailored just for you.
You can make payments easily through our secure online customer portal, via automatic bank draft, or by mail. We'll set up your preferred method after your loan closes.
No. At Mort Freedom Stand, we believe in your financial freedom. That’s why we do not charge prepayment penalties, so you can pay off your loan faster and save on interest without any extra fees.
Your payment typically includes principal, interest, property taxes, and homeowner's insurance (often referred to as PITI). If your down payment was less than 20%, it may also include private mortgage insurance (PMI).
Yes! Once you reach 20% equity in your home, you can typically request to cancel PMI. It may also be automatically removed once you reach 22% equity based on the original property value.
Please contact us immediately. We understand that circumstances change, and we’re here to help. We can discuss potential options to assist you during a temporary financial hardship.
