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FORGET ABOUT PMI
We know private mortgage insurance is a waste - which is why you won't have mortgage insurance as long as you put down at least 10%. Most lenders will require mortgage insurance if you don't put down 20% on your home purchase - we're different.
FORGET ABOUT ESCROW
Do you know most lenders will penalize you if you don't want to pay your taxes and insurance with your mortgage payment? At E Mortgage Capital, we will never charge you a penalty for keeping your taxes and insurance separate. And you're always welcome to keep them together.
CLOSE ON TIME
Are you worried about getting your mortgage closed on time? Some lenders have trouble getting your loan closed in time for your purchase - which can lead to a voided purchase contract or loss of your earnest money deposit. At E Mortgage Capital, we average a 10-14 day closing time. You'll never have to worry with us!
GETTING QUALIFIED IS EASY
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
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