FINANCIER$ Mortgage Group The “Approval Experts”™ since 1984! (817) 204-0028 Fort Worth (972) 644-8244 Dallas

#6 But we’ve saved the best for the last -

We’ve found we can approve about
80% of other lenders rejects!

And we usually do it at the same or lower rate plus have lower closing costs for lower out of pocket costs.

The Big Banks turn down between 40-60% of all loan applicants.

The typical real mortgage company will turn down about 25%.

FINANCIER$ typically only has between 1-3 turn downs a year. Not 1-3%, but 1-3 people in a given year and usually it is due to something like loss of job, sudden health issues, etc. We don’t give up!!

Buying or building a house ought to be fun & exciting and we
don’t think the financing should get in the way of all that fun.

We’ve found that if we help you understand some of the complexities of a mortgage loan it will greatly increase your odds of a loan approval, could possibly reduce your interest rate & will make your loan approval simpler with fewer approval conditions - plus you’ll sleep better at night!

Unfortunately the Mortgage rules & regulations aren’t always logical or straight forward which means you can inadvertently do the wrong things by doing what seems to be the right thing and this can make your approval tougher. So in these pages I’m going to attempt to help you understand not only WHAT the rules are, but also WHY they are that way. Then I’ll also help you understand HOW you can improve your situation & HELP us secure you the mortgage you deserve.

FINANCIER$ is a different type of mortgage company. It’s one where real, live people answer the phones & we also don’t just work banker’s hours. We work when you need us which means you could probably call us right now and reach a real live person. We definitely work evenings, week ends & holidays. (We’re not so good at very early mornings.

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Dallas (972) 644-8244

Fort Worth (817) 204-0028

While we are located in the Fort Worth area we can do mortgages all over the state of Texas.

F$ is a company where you can ask questions and expect to get studied & researched answers.

As a matter of fact you could almost consider this website as a college level course in real estate & financing. In “The Basics” section we carry you step by step through a transaction & tell you things no one else will.

F$ is a company that will also help you plan for tomorrow if that’s what you need. Most lenders will only talk to you if you’re ready to buy right this very second. We’ll be more than happy to sit down with you and help you begin your planning. This way you can get into a home much sooner than if you tried to do it all yourself.

Rules, regulations and laws have changed considerably since The Great Recession. But since politicians made the changes without any knowledge of how the old system worked and all the changes were for a political purposes, the new laws don’t always make sense. The Super Majority were more concerned with garnering votes rather than actually improving the system, but we’ll help you make sense of all the new rules and understand how they affect you.

You definitely need to read the next page entitled READ ME! That is if you’re serious about finding out exactly how much home you can afford. There I explain what you need to know to get what you want from a lender.

In the “Basics” section of this website I try to take you through the typical real estate transaction step by step from the beginning to the end so that you’ll feel comfortable with the process and have an understanding of what it takes to get from Point A to Point Z. We’ll tell you things you couldn’t learn any other way.

A recent study showed that 79% of real estate Buyers wanted all the detailed information they could get about homes, neighborhoods and financing. My guess it’s because real estate is such a major decision and since so much $$$ is involved people want enough information to be sure they’re not making a misteak. Whoops, I meant mistake.

So that’s how we designed our website & how we work our business.

You’re people. We’re people . . . so let’s talk.

Computers and technology are great and we don’t shun either, but buying or selling a home is too important to leave everything to a few clicks and then praying for the best. All that will get you is a quick turn down. There’s no Rocket to a faster loan approval since under the law all lenders have the exact same loan processing requirements so you might as well get the best service.

As a matter of fact, you are going to find that mortgages & real estate in general demand a human presence and really can’t be done well totally online. Don’t get me wrong, a lot can be done online, but in real estate online works best as an educational tool or a delivery system of information needed by a human.

Here’s a good way you can use the internet to your benefit!

Join the Best-O-Plex Facebook Group where you will find Realtors, For Sale By Owners, Title Companies, Home Inspectors, and just about anyone you could ever need in the purchase or sale of your home. People post daily with new information and you can ask any questions you might have or even look for a home or service in a certain area or price range. You can even post information about a home you have for sale.

Facebook Groups is FB’s answer to Craigslist, Ebay & MLS. This Group is called the Best-O-Plex all Real Estate Services. “The West of the Plex is the Best of the Plex! and this Group is for anyone living or buying in the western side of the DFW Metroplex. You can see a map of their coverage area on the cover page.

So let’s sit down and talk.

You won’t be hurried or rushed - no pressure - just people talking about what you are trying to do. We try to explain things thoroughly to you so that you understand and can make informed decisions as to which path is the most appropriate for you.

While we can do most things online, by phone or fax, we prefer to meet up with you at least one time to just sit and talk about what you are trying to do and answer any questions you have. We’ve found that if we can help you understand the whole process it not only allows you to help us do a better job for you, but it also eliminates many of your fears. And since we’ll give you our after hours contact information it’s in our best interests to make you feel comfortable with us and the whole loan process or we’d never get to eat a meal or go to a movie uninterrupted.

Welcome to FINANCIER$ Mortgage Group, your

Hardworking,

Friendly,

LOCAL,

Mortgage Lender with over 35 years experience!

MARKET UPDATE VIDEO SECTION
(mostly for those in the industry)

FINANCIER$
Mortgage Group

S.A.F.E. Act compliant

NMLS # 236854, 225460 & 234360

(817)204-0028

(972) 644-8244

718 Boling Ranch Road

Azle*, Texas 76020

(*actually we are nowhere near Azle. We are really on the edge of Fort Worth)

Legal

When you’re under the FINANCIER$ umbrella you’ll find we go to extraordinary lengths to search out & ensure we have the loan programs you need.

You don’t have to search all over, we do it for you. That’s the beauty of a multi-source lender.

We’re committed to taking care of you and that’s why we’ve had some people trust & use us for 30 years.

Buying a home and getting a mortgage is not Magic, Mumbo Jumbo or Rocket Science.

Anyone can understand it and step through the process with confidence
and little chance of being taken advantage of with a little guidance.
This site is your guidance plus you can call us at any time.

These pages will be like a class in Home buying.

The first 7 pages will help you before you purchase and the rest of the
pages will help once you’ve bought a home, but first . . .

You’re going to find that FINANCIER$ Mortgage Group can close

most loans in only 12-15 days & is less expensive than other lenders.

We have less expensive closing costs

#1 We have lower closing costs than almost any other mortgage lender! We only pass along the legitimate closing costs and never make up charges like Admin fees, Application fees, Processing fees, Funding fees, etc. We also do not make a profit on your closing costs as the bigger banks do - We don’t think that’s right. With F$ you’ll never get a closing cost that’s not an actual fee to a third party for providing a service. Put all this together and we’ve found we are normally $1,500-$2,400 cheaper than the other guys.

Flat Fee Lender

#2 F$ is, for lack of a better term, a Flat Fee Lender. There is a certain amount of money associated with each mortgage. F$ keeps only a set percentage of the money and returns the rest to you. Other lenders treat this as found money and keep it. In 2016-17 & 18 that meant our Buyers got as much as $7,000 back to pay for closing costs and we paid a portion of our Buyer’s closing costs approximately 95% of the time.

Usually no Origination Fee

#3 Most of the time we don’t even have an Origination fee. An Origination fee is typically 1% of the loan amount and is a pretty standard industry charge so this also saves you even more money.

Usually no Points

#4 With these rates it is seldom that any Buyer pays points. Like the Origination fee a Point is 1% of the loan amount and except for a very rare situation we haven’t charged points since the mid 90’s.

Out of pocket expense is the #1 impediment to home ownership so we do more than our share to help you get into a home of your own.

#5 Because we have one of the better scorecards within the industry we get loan types, qualification levels, and interest rates most other lenders can’t get. So this means we can do loans at a lower credit score than other lenders and still give you great rates!

Which leads me to this:

Your Lender’s reputation within the industry matters to you!

FINANCIER$ is a Top Tier Lender which means our mortgages perform in the Top 10% nationwide. We think that’s mostly because we actually still talk to all our customers and spend time helping them understand how the system works and why it works that way. When people know how things work, what’s expected from them and what the ramifications are, they tend to do the right thing.

Because we’ve proven ourselves to be better than the rest we get loan programs and expanded underwriting guidelines that many of the other Lenders don’t get.

Most other lenders Conforming loan limits stop at $484,350 & above that you have to use the much more restrictive & costly Jumbo money.

So What’s a Conforming loan? I’ll tell you all about it on another page but for here let’s just say it’s the loan you’d prefer to have. It’s what they call the “standard loan” and the least restrictive loan.

So don’t get stuck with Jumbo rates, huge cash reserve requirements, limited loan programs, long underwriting & multiple appraisals. Because we’re special we get to do Conforming loans up to $726,525.

** We also have much cheaper **
Mortgage Insurance

Which means you’ll have a lower monthly payment!!

And I’m talking significantly less expensive MI!!
Here’s some examples from 1/2019

90% LTV $210,000 loan = $35 vs. $157

95% LTV $365,750 loan = $91 vs. $240

97% LTV $484,350 loan = $242 vs.$347

90% LTV $726,525 loan = NO MI

Plus we have cheaper
credit reporting costs

Our total credit report costs are about 1/4 the norm.

We can approve more loans because of our work ethic plus we are allowed
to work with lower credit score loans - & give you normal rates!

We can do FHA loans down to a 500 credit score (below 580 is a slightly higher rate)
While some other Lenders can do a loan at a 580-620 score, for them it’s a Non-Standard loan with Non-Standard rates & Non-Standard underwriting. For us it’s our normal loan with normal rates & conditions.

100% VA loans down to a 560 score

100% USDA loans down to a 580 score

97% Conventional loans down to a 620 score

If needed we also have cheaper Rapid Rescore costs

If you need a credit report & score updated in 2-3 business days we can do it less expensively than most. Plus we help all our customers maximize their credit scores for free. The higher the score the simpler the underwriting and sometimes it even results in a lower interest rate.

No cost to waive escrows up to 95% LTV

No cost to waive escrows on VA loans up to 100% LTV

Other lenders charge hundreds of dollars for the privilege of allowing people to pay their own taxes and insurance. Because our people service 97% of all loans we don’t have those fees AND we can waive escrows up to a 95% LTV not just to 90%.

IMMEDIATE FUNDING! Usually no waiting on funding numbers. This means late closings or a Seller that needs to fund quickly so they can close on their next home aren’t a problem for us.

Like our FACEBOOK page for almost daily updates on the market and other things to do with real estate.