| Refinances |
| Mortgage refinancing
is a good idea if the interest rate on your
home mortgage is higher than the current refinance
rates. Since rates have been at an all time
low for a while now, it's smart to lock in
the good rates as soon as possible. Refinancing
allows you to build up equity much faster
and pay far less interest over the life of
the loan-making it completely worth it in
the end. It usually takes between 2-4 weeks
for the mortgage refinancing process to go
through (depending on the appraisal). A 1st
Trust Mortgage consultant can help you decide
if mortgage refinancing makes sense for your
situation and to choose the best refinance
program for your needs. Simply fill out our
online application and someone will contact
you within 24 hours |
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| Construction
Loans |
| With years of experience
listening to borrowers needs we can put you
into the best Single Close Construction Loan.
Others may sound good, but ours will make
your life and your builder's a lot easier.
We have many programs with multiple adjustments
to help new home owner/builders get their
homes built on time and on budget. Most banks
only have one program and it generally benefits
them more than you. With 1St Trust Mortgage
you will save money and get a better loan
and WE MAKE THE PROCESS AS EASY AS POSSIBLE!
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| Home
Improvement |
| A home improvement loan
is a fully amortized, fixed rate 2nd mortgage.
Placed in 2nd position on the property title,
there is no affect on the terms of the existing
1st mortgage. You may choose a term from 5
to 25 years. The minimum loan amount is $15,000
unless stated otherwise on the application. |
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Second
Mortgages
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| We offer easy ways to get
quotes from the top lenders who specialize
in second mortgages. If you need more cash
or have high interest loans and credit card
with compounding interest, then you have come
to the right Mortgage Company. |
| 1st Trust Mortgage has
helped thousands of homeowners with making
home improvements and debt consolidation. |
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Lines
of credit
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| If you need to borrow money,
home equity lines may be one useful source
of credit. Initially at least, they may provide
you with large amounts of cash at relatively
low interest rates. And they may provide you
with certain tax advantages unavailable with
other kinds of loans. (Check with your tax
adviser for details.) |
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Debt
consolidation
|
| Consolidating your debt
is the smart way to save money! Want to save
hundreds of dollars a month, pay off your
bills and have one low monthly payment. 1st
Trust mortgage could help you take advantage
of the equity in your home. In addition to
saving money every month there may also be
savings at tax time. |
| Debt consolidation is the
process of restructuring your debt into one
monthly payment while reducing the amount
owed and eliminating unnecessary interest.
This debt can include credit card bills, student
loans, medical bills, back taxes. |
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FHA Purchase Finance
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| If you or your family thought
you would be renting an apartment forever...think
again! You could be in a home for about what
you pay for rent - and- with no money down
using our proven FHA purchase options currently
available |
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Commercial
Loans
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| We offer commercial laons
for mixed used properties, 5units and up,
business buildings and even improvement loans
for townhouse developements. Loan size from
$150,000 up to $10,000,000.00. variable and
fixed rate options with terms based on credit
and loan to value. |
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