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When assessing your creditworthiness, lenders consider your gross pay, which is your income before taxes and other deductions, not just your “take home” pay. Find out more.
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A company should never access your credit ratings—there are three—unless you give them explicit permission to do so. Find out more.
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James Mercado, the president & founder of Mortgage 2000, lives locally and is involved in the day-to-day operations of our Company. Find out more. |
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At Mortgage 2000, we respect your peace & privacy. We never use telemarketing to promote our Company. Find out more. |
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If you don’t open an Escrow account when you start your mortgage, you can do so later if you wish. Find out more. |
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You can make extra principal payments to reduce the interest cost of your mortgage. Just make sure to indicate that you want the extra money applied to principal, not interest. Find out more. |
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Many city and government agencies offer down payment assistance for first-time homebuyers who meet certain criteria. Find out more. |
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You are in no way obligated to sign the paperwork if the terms of a loan are not what you expect at the closing. Find out more.
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If you need it, many lenders offer “Lender Paid Mortgage Insurance”, which can have significant tax benefits for you over conventional Mortgage Insurance. Find out more. |
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You’re entitled to a copy of your new home’s Appraisal, whether you paid for it “up front” or at the actual closing. Find out more. |
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You should never pay to get a mortgage “pre-approval”. Find out more.
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The greatest compliment you can give to a Mortgage Broker—or any business—is a referral to your friends & family. Find out more.
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Some inexpensive home improvements will add significant value to the selling price of your home, while some very expensive ones will not. Find out more. |
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Choosing your own Title company can reduce your Closing Costs. You don’t have to close with the same Title company that your seller uses. Find out more.
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Mortgage 2000 is a local company comprised of your neighbors, who together have more than 100 years of collective experience finding the best mortgages for people just like you. Find out more. |
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Unlike other mortgage providers, the terms of your loan through Mortgage 2000 will never change, even if your loan is “sold” to another creditor. Find out more. |
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Mortgage 2000 is licensed as both a mortgage broker and banker, which means we have more options & expertise for you, no matter what your credit situation. Find out more.
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You can buy a home with no down payment and no out-of-pocket expenses with a 100% mortgage and a seller’s credit, subject to approval. Find out more. |
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You’re under no obligation to take out a mortgage with any provider after you’ve signed a loan Application or any “initial disclosures” with them. Find out more. |
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