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No
Cost Pre-Approval |
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Call for rate and no cost pre-approval |
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We
have been providing our superior services to our
customers since 1993. |
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(816) 361-9988 Or
(800) 930-4243 |
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Conforming Loan Rate for Primary Home
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Term Fixed |
Rate |
Origination |
APRS* |
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30 Yrs |
4.500 |
0.000 |
4.542 |
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20
Yrs |
4.250 |
0.000 |
4.306 |
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15 Yrs |
4.000 |
0.000 |
4.072 |
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15 Yrs |
4.250 |
1.000 |
4.320 |
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On
07/26/2010 based on $250K score of
740 or More, For others Please call at : |
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816 361-9988 or 800-930-4243 |
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*APR numbers are based on the assumption that loans will be
closed at the end of the month. |
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NMLS ID
248278, KS No.
MC.002312
& MO No. 10-063
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HARP
Home Affordable Refinance
Program
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This plan was created by Fannie Mae and Freddie Mac as a part of
the stimulus package to help millions of homeowners to refinance
their loans with low interest rates even if the appraisal value
of their properties have dropped around 20%. For details
Click here. |
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Thank you for visiting our
web site. Whether you are
searching for a loan to buy
your dream home, a lake
house, a rental property or
to refinance your
existing 1st or 2nd
mortgages with or without
income verification, you are
in the right place. |
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No Cost Pre-Approval |
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These days, getting a pre-approval
is the norm. Some home owners and real estate agents
are hesitant to show you homes if you have not been
pre-approved. If you are in the market to purchase
an owner-occupied residence, a second home, or a
rental property, you need to apply for a
pre-approval.
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A Few
Helpful Tips |
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Tip #1
Don't buy what you have been
qualified for. Buy what you can really
afford. After you close the loan, you are
the only one responsible for the payments,
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not the loan officer. |
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Tip #2
If you are short of cash for
closing, ask the sellers if they are willing
to pay all or part of your closing costs.
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Tip #3
Don't get Option Arm
Loans. Those could be disastrous and could
ruin your credit if you are not careful.
Back to List |
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Loans for
purchase or refinance |
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Below is a sample of a
few of the loan programs we offer home owners and
investors in Kansas and Missouri. |
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First mortgage up to 95%
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VA Loan up to 100% with low
rates |
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First mortgage up to 90%
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First mortgage up to 100% on Rural Development Program
USDA |
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First mortgage up to 85% and 80% |
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Jumbo loan up to $4,000,000 |
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Reasons to
refinance the current mortgage |
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Refinance
with cash out |
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Refinance with no
Cash-Out |
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You may refinance your
existing loan with cash out option and use the proceeds
for: |
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This type
of financing is ideal for those borrowers who do not
need cash-out, but prefer one or combination of the
following options. |
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Debt consolidation of high interest rate and |
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To lower interest rate and eliminate mortgage
insurance |
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monthly payment credit cards |
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To convert from owner-financed to regular mortgage |
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Remodeling or repairing |
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To convert from contract for deed to regular mortgage |
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Paying off student or car loans |
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To convert from rent-to-own to regular mortgage |
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Down payment of a vacation home |
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To convert from rent-to-own to regular mortgage |
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Down payment of a rental home |
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To remove borrower's or co-borrower's name in divorce
cases |
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Any other plan that you may have |
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To combine existing first and second mortgages |
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To buy out one's partner if the property is a rental
home |
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Call
for details |
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Back to List |
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No
Closing Costs Option for Refinancing
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No Closing Costs Option
for Refinancing |
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We have a no closing
costs refinancing
program for borrowers
who prefer not to add
the closing costs to the
loan. In this option we
pay all the refinancing
costs except the
appraisal fee and the
prepaid items costs (
prepaid interest,
property tax and home
owner's insurance). |
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for details |
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Interest Rate Explanations
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Interest Rate
Explanations |
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The
rates showing at the top of this page are conforming rates
for Kansas and Missouri homeowners and are based on a
loan size of $250,000. These rates are approximates due
to the fact that rates change by the hour. Since rates
for stated income loans, loans on rental properties,
second mortgages, and home equity lines of credit vary
based on the loan size, document type (full doc, stated
income or no income verification), property type (the
number of units), and credit score, it is very difficult
to post more accurate rates for each of our loan
programs. To get a more accurate interest rate for the
loan program that you have in mind, please complete the
contact request
form with
your approximate loan size, document type, property
type, and your credit score (if known). A loan officer
will be happy to provide you with a more accurate
interest rate quote. You can also call us any time from
8 A.M. to 8 P.M. seven days a week.
Interest rates and percentage of the loan will be based
on the borrower's credit score. Interest rates
and the percentage of loan to value change for
640, 660, 680, 700, 720, 740, 760, 780 and 800 credit
scores.
Back
to List
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Why AGF Mortgage should be your
choice?
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Why AGF Mortgage should be your
choice?
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AGF Mortgage, Inc. was
founded in 1993 with a commitment to
Kansas and Missouri residents to
provide the best possible real
estate loans for owner occupied, non
owner occupied (rental home), and
second homes with low rates and low
closing costs. |
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When it comes to our
rates, whether you are an employee
or self employed, you will find the
most suitable loan program among
hundreds that we offer through over
fifty investors. Our
experience makes the loan processing
smoother and faster.
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We challenge the major
lenders in this area such as Chase,
Bank of America and others with our
low costs and excellent service. |
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Back
to List |
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Reasons to Refinance the Current Mortgage |
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Primary Reasons to
Refinance the Current
Mortgage
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Other
Reasons to
Refinance |
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Your current
loan
consists of
first
and second
mortgages |
Pay off high rate and high monthly payment credit
cards |
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and you want
to combine
those into
one loan
with a low
rate |
Pay for down payment of rental or investment homes |
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Your loan
has a high
interest
rate |
Pay for down payment of a 2nd or a lake home |
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Your current
rate is
variable |
Pay for remodeling of your home |
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Pay off personal or car loans |
Pay for children's tuition |
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Pay off student loans |
Back
to List |
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Loan on Investment Property |
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Loan on Investment Property |
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Are you searching for a loan to
purchase or refinance multi family
units from 1 to 4 units (1 unit,
duplex, triplex or 4-plex) of rental
property with low rates and low
closing costs? Would you like
an expert loan officer to answer any
question you may have? If so, you
are in the right place. We have been
providing loan on investment
properties for our clients for the
past 15 years with down payments as
little as 10% .
For rental properties
over 4 units
visit AGF Commercial
Loan
site.
The states that we offer our
commercial loan are: AL, AK, CA, CO,
CT, DE, GA, ID, IN, IL, IA, KS, KY,
LA, ME, MD, MA, MI, MO, MT, NH,
NC, NE, NM, OH, OK, OR, PA, SC, TN, TX,
UT, VT, VA, WA, WV WY
Back
to List |
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Can Seller Pay Buyer's
Closing Costs |
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Can Seller Pay Buyer's
Closing Costs |
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Yes, the amount of seller's
contribution toward closing
costs and prepaid items
depends on the loan program
and the percentage of the
down payment. If the down
payment is between 0 and 5%,
then some programs limit the
seller's contribution to 3%,
but if the down payment is 10%
or more, the seller 's
contribution could be up to
6%. However, it can not
exceed the actual closing
costs and prepaid items.
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Property Tax |
2 to 3 months |
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Hazard Insurance |
14 months |
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Pre-paid Interest |
1 to 25 days |
when we pre-approve the
loan, we will give our
borrowers the estimated
pre-paid items along with
the closing costs within
$100 of the actual costs.
For more details, please
call 800-930-4243
Back to List |
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AGF Mortgage,
Inc. is licensed in KS and
MO. Missouri Residential
Mortgage License Registrant
NO. 08-063 and
Kansas Residential Mortgage
License Registrant NO.
Mc.0002312 |
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