True cost of Refund Anticipation Loans

Refund Anticipation Loans

Refund anticipation loans are short-term loans secured by your income tax refund. Although the business preparing your income tax return will give you the money, you are actually receiving a loan from a bank or finance company. 

You may not realize how much this loan is really costing you because you do not have to pay any fees associated with obtaining a refund anticipation loan at the time you receive the money. For example:

  • Your refund is $1,500.
  • The fees associated with filing your income tax return with the tax preparation service and getting the refund anticipation loan equal $300.
  • You will receive a check for $1,200.
  • But you are actually paying $300 in fees to obtain your income tax refund.

 

It is important to remember that the paperwork you sign to receive a refund anticipation loan will legally obligate you to repay a $1,500 loan.

 

So, if your actual refund is only $800, you are responsible for repaying $700, plus interest to the lender that made the refund anticipation loan.

And the higher the loan amount, the higher the refund anticipation loan fee will be.

 

Costs of a Refund Anticipation Loan

Here are some typical costs associated with getting a refund anticipation loan.

Tax preparation fee

$100

Refund anticipation fee

75

Electronic filing fee

40

Document preparation

33

Total Cost

$248

 

When you electronically file (e-file) your tax return and request direct deposit, your refund is often deposited in your bank account within two weeks. Sometimes refund anticipation loans take just as long, yet cost you substantially more money.

 

Many organizations host Volunteer Income Tax Assistance (VITA) sites. VITA is an Internal Revenue Service (IRS)-coordinated program that provides free income tax assistance and e-filing. Income eligibility restrictions may apply. Contact the IRS for a location near you.

 

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Mortage Loan Lender-Ohio15

PRIORITY MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
6797 N HIGH ST STE 304
WORTHINGTON, OH  43085
Phone: (614) 431-1141
 

PROGRESSIVE MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
5400 TRANSPORTATION BLVD STE 8
CLEVELAND, OH  44125
Phone: (216) 662-8300
 

PROGRESSIVE MORTGAGE GROUP INC
FHA MORTGAGE DEPARTMENT
9545 KENWOOD ROAD STE 403
CINCINNATI, OH  45242
Phone: (513) 891-7760
 

PROVIDENT BANK
ONE EAST FOURTH STREET
CINCINNATI, OH  45202
Phone: (513) 579-2805
 

RANDALL MORTGAGE SERVICES
FHA MORTGAGE DEPARTMENT
655 METRO PLACE SOUTH STE 600
DUBLIN, OH  43017
Phone: (614) 923-7400
 

REAL ESTATE MORTGAGE CORP
REAL ESTATE MORTGAGE CORP
20325 CENTER RIDGE ROAD,
ROCKY RIVER, OH  44116
Phone: (440) 356-5363
 

RED MORTGAGE CAPITAL INC
FHA MORTGAGE DEPARTMENT
150 EAST GAY STREET 22ND FLOOR
COLUMBUS, OH  43215
Phone: (800) 837-5100
 

RENAISSANCE MTG FINL SER INC
FHA MORTGAGE DEPARTMENT
25109 DETROIT ROAD SUITE 310
WESTLAKE, OH  44145
Phone: (440) 808-0163
 

REPUBLIC SAVINGS BANK
RICHARD WINTERS II
7333 PARAGON RD SYITE 160
CENTERVILLE, OH  45459
Phone: (937) 438-4663
 

RESIDENTIAL BANCORP
FHA MORTGAGE OPERATIONS
5686 DRESSLER RD NW
CANTON, OH  44720
Phone: (330) 499-8333
 

RESIDENTIAL FINANCE CORPORATIO
FHA MORTGAGE DEPARTMENT
555 S FRONT STREET
COLUMBUS, OH  43215
Phone: (614) 324-4700
 

RESIDENTIAL MORTGAGE COMPANY
118 E MIDLOTHIAN BLVD
YOUNGSTOWN, OH  44507
Phone: (330) 788-9681
 

RESOLUTION TRUST CORP
FHA MORTGAGE DEPARTMENT
110 MAIN STREET
SALINEVILLE, OH  43945
Phone: (216) 679-0166
 

RICHLAND MORTGAGE INC
FHA MORTGAGE DEPARTMENT
1456 PARK AVE WEST SUITE U
MANSFIELD, OH  44906
Phone: (419) 529-0910
 

RICHLAND TRUST COMPANY
FHA MORTGAGE DEPARTMENT
3 NORTH MAIN STREET
MANSFIELD, OH  44902
Phone: (419) 525-8770
 

RJO FINANCIAL SERVICES INC
DBA RESERVE MORTGAGE SERVICES
1274 WEATHER VANE LANE
AKRON, OH  44313
Phone: (330) 836-9070
 

SCHMIDT MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
20545 CENTER RIDGE RD- STE 250
ROCKY RIVER, OH  44116
Phone: (440) 356-3242
 

SCHOOL EMPL RETMT SYS OHIO
45 NORTH FOURTH STREET
COLUMBUS, OH  43215
Phone: (614) 222-5900
 

SECOND NATIONAL BANK
FHA MORTGAGE DEPARTMENT
499 S BROADWAY
GREENVILLE, OH  45331
Phone: (937) 548-2122
 

SECOND NATIONAL BK OF – WARREN
FHA MORTGAGE DEPARTMENT
108 MAIN AVENUE SW
WARREN, OH  44482-1311
Phone: (216) 841-0123

 

Mortage Loan Lender South Dakota-1

ABERDEEN FEDERAL CREDIT UNION
FHA MORTGAGE DEPARTMENT
508 MOCCASIN DRIVE
ABERDEEN, SD  57401
Phone: (605) 225-2488
 

AMERICAN FEDERAL BANK FSB
EGAN AVE AT SECOND ST NO
MADISON, SD  57042
Phone: (605) 256-6532
 

AMERICAN STATE BANK PIERRE
700 E. SIOUX AVE
PIERRE, SD  57501
Phone: (605) 224-9233
 

AMERICAN STATE BANK RAPID CITY
632 MAIN STREET
RAPID CITY, SD  57701
Phone: (605) 348-3322
 

BANKWEST INC
FHA MORTGAGE DEPARTMENT
420 S PIERRE STREET
PIERRE, SD  57501
Phone: (605) 224-7391
 

BLACK HILLS FEDERAL CR UNION
225 MAIN STREET
RAPID CITY, SD  57709-1420
Phone: (605) 343-0891
 

COMMERCIAL TRUST AND SAVINGS
FHA MORTGAGE DEPARTMENT
210 NORTH LAWLER
MITCHELL, SD  57301
Phone: (605) 996-7755
 

COMMUNITY FIRST STATE BANK
15 EAST MAIN
VERMILLION, SD  57069
Phone: (605) 624-4431
 

COMMUNITY FIRST STATE BANK
FHA MORTGAGE DEPARTMENT
26 EAST SEVENTH AVENUE
REDFIELD, SD  57469
Phone: (605) 352-8675
 

CORN EXCHANGE BANK
FHA MORTGAGE DEPARTMENT
124 ELK STREET
ELKTON, SD  57026
Phone: (605) 542-2681
 

CORTRUST BANK
100 EAST HAVENS & MAIN
MITCHELL, SD  57301
Phone: (605) 996-7775
 

CORTRUST MORTGAGE INC
FHA MORTGAGE DEPARTMENT
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD  57105-3709
Phone: (605) 331-4092
 

DACOTAH BANK
308 SOUTH MAIN ST
ABERDEEN, SD  57401
Phone: (605) 225-5611
 

DACOTAH BANK
320 MAIN ST. P.O.B. 910
MOBRIDGE, SD  57601
Phone: (605) 845-3673
 

DACOTAH BANK
113 COMMERCIAL
CLARK, SD  57225
Phone: (605) 532-3626
 

DACOTAH BANK
FHA MORTGAGE DEPARTMENT
600 MAIN STREET
WEBSTER, SD  57274
Phone: (605) 345-3306
 

DAKOTALAND FEDERAL CREDIT UNION
FHA MORTGAGE DEPARTMENT
1371 DAKOTA AVENUE SOUTH
HURON, SD  57350
Phone: (605) 352-2845
 

F AND M BANK
FHA MORTGAGE DEPARTMENT
517 S LINCOLN STREET
ABERDEEN, SD  57402
Phone: (605) 886-8401
 

FARMERS NATIONAL BANK
200 NORTH MAIN
VIBORG, SD  57070
Phone: (605) 326-5226
 

FARMERS STATE BANK
FHA MORTGAGE DEPARTMENT
103 W MAIN STREET
PARKSTON, SD  57366
Phone: (605) 928-7991

 

Mortgage loan Lenders -Maine

ANDROSCOGGIN SAVINGS BANK

30 LISBON ST
LEWISTON, ME  04240
Phone: (207) 784-9164

APPROVED HOME MORTGAGE INC
FHA MORTGAGE DEPARTMENT
366 US ROUTE ONE
FALMOUTH, ME  04105
Phone: (207) 781-4959

ATLANTIC BANK NA
FHA MORTGAGE DEPARTMENT
100 FODEN ROAD
SOUTH PORTLAND, ME  04106
Phone: (207) 761-5922

BANGOR SAVINGS BANK
LOAN PROCESSING DEPARTMENT
19 MAINE AVENUE
BANGOR, ME  04401
Phone: (207) 942-5211

BANKNORTH NA
FHA MORTGAGE DEPARTMENT
ONE PORTLAND SQUARE
PORTLAND, ME  04101
Phone: (800) 462-3666

BATH SAVINGS INSTITUTION

105 FRONT ST
BATH, ME  04530
Phone: (207) 422-7711

CAMDEN NATIONAL BANK

2 ELM ST
CAMDEN, ME  04843
Phone: (207) 236-8821

CASCO-NORTHERN BANK NATIONAL A

187 STATE STREET
PRESQUE ISLE, ME  04769
Phone: (207) 769-2211

COASTAL MORTGAGE CORPORATION
FHA MTG DEPT PRESIDENT
104 MAIN STREET
ELLSWORTH, ME  04605
Phone: (207) 667-8399

COASTAL SAVINGS BANK
DBA COASTAL BANK – FHA DEPT
1200 CONGRESS STREET
PORTLAND, ME  04102
Phone: (207) 774-5000

CUMBERLAND COUNTY MORTGAGE INC
FHA MORTGAGE DEPARTMENT
169 OCEAN STREET SUITE 209
SOUTH PORTLAND, ME  04106
Phone: (207) 767-7382

CUSO MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
101 WESTERN AVENUE
HAMPDEN, ME  04444
Phone: (207) 862-2876

DEPARTMENT BUSINESS REGULATION

STATE HOUSE STATION 35
AUGUSTA, ME  04333
Phone: (000) 000-0000

DOWNEAST MORTGAGE CORPORATION
BROOKSIDE PROFESSIONAL PARK
261 GORHAM ROAD
SOUTH PORTLAND, ME  04106
Phone: (207) 773-6161

FIRST FINANCIAL MORTGAGE CORPO
FHA MORTGAGE DEPARTMENT
78 ATLANTIC PLACE
SOUTH PORTLAND, ME  04106
Phone: (207) 775-4200

FLEET BANK OF MAINE
FLEET MORTGAGE DEPARTMENT
901 WASHINGTON AVENUE
PORTLAND, ME  04104
Phone: (207) 874-5000

FRANKLIN SAVINGS BANK

81 MAIN ST
FARMINGTON, ME  04938
Phone: (207) 778-2900

GARDINER SAVINGS INST FSB

PO BOX 190
GARDINER, ME  04345
Phone: (207) 582-5550

GORHAM SAVINGS BANK

P O BOX 39 64 MAIN STREET
GORHAM, ME  04038-0039
Phone: (207) 839-3342

HOME MORTGAGE LOAN COMPANY
FHA MORTGAGE DEPARTMENT
393 CENTER STREET
AUBURN, ME  04210
Phone: (207) 946-2820

KENNEBUNK SAVINGS BANK

104 MAIN ST
KENNEBUNK, ME  04043
Phone: (207) 985-4903

KEY BANK

286 WATER ST
AUGUSTA, ME  04330
Phone: (207) 623-4721

KEY BANK OF EASTERN MAINE

77 EXCHANGE ST
BANGOR, ME  04401
Phone: (207) 945-5611

KEY BANK OF NORTHERN MAINE

454 MAIN ST
PRESQUE ISLE, ME  04769
Phone: (207) 764-3356

LIVERMORE FALLS TRUST CO
FHA MORTGAGE DEPARTMENT
38 MAIN STREET
LIVERMOR FALLS, ME  04254
Phone: (207) 897-3491

MAINE HOME MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
5 MILK STREET 2ND FL
PORTLAND, ME  04101
Phone: (207) 871-1001

MAINE STREET MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
733 ROOSEVELT TRAIL
WINDHAM, ME  04062
Phone: (207) 892-5580

MECHANICS SAVINGS BANK
FHA MORTGAGE DEPARTMENT
100 MINOT AVE
AUBURN, ME  04210
Phone: (207) 786-5700

MECHANICS SAVINGS BANK AUBURN

100 MINOT AVE BOX 239
AUBURN, ME  04210
Phone: (000) 000-0000

MERRILL MERCHANTS BANK
FHA MORTGAGE DEPARTMENT
920 STILLWATER AVENUE
BANGOR, ME  04401
Phone: (207) 942-4801

MID MAINE SAVINGS BANK
FHA MORTGAGE DEPARTMENT
GREAT FALLS PLAZA
AUBURN, ME  04210
Phone: (207) 784-3581

MID MAINE SAVINGS BANK

209 MAIN ST
SANFORD, ME  04073
Phone: (207) 324-4833

NORSTAR BANK OF MAINE

1 CITY CENTER
PORTLAND, ME  04101
Phone: (207) 874-5000

NORTHEAST BANK FSB
FHA MORTGAGE DEPARTMENT
158 COURT STREET
AUBURN, ME  04210
Phone: (207) 729-8711

NORWAY SAVINGS BANK
FHA MORTGAGE DEPARTMENT
261 MAIN STREET
NORWAY, ME  04268
Phone: (207) 743-7986

OCEAN COMMUNITIES FEDERAL CREDIT UNION
FHA MORTGAGE DEPARTMENT
1 POOL STREET
BIDDEFORD, ME  04005
Phone: (207) 284-5918

RESIDENTIAL MORTGAGE SVCS INC
FHA MORTGAGE DEPARTMENT
49 ATLANTIC PLACE
SOUTH PORTLAND, ME  04106
Phone: (207) 775-6105

ROCKLAND SAVINGS AND LOAN ASSN
FHA MORTGAGE DEPARTMENT
582 MAIN ST
ROCKLAND, ME  04841
Phone: (207) 594-8465

SACO VALLEY CREDIT UNION
FHA MORTGAGE DEPARTMENT
312 MAIN STREET
SACO, ME  04072
Phone: (207) 282-6169

SKOWHEGAN SAVINGS BANK
VP-MORTGAGE MANAGER
SEVEN ELM ST-P O BOX 250
SKOWHEGAN, ME  04976-0250
Phone: (207) 474-9511

UNITEDKINGFIELD BANK
FHA MORTGAGE DEPARTMENT
245 EXCHANGE ST
ROCKPORT, ME  04856
Phone: (207) 265-2181

What is “no-cost” refinancing?

What is “no-cost” refinancing?

 

Lenders often define “no-cost” refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoid paying up-front fees.

The first is an arrangement in which the lender covers the closing costs, but charges you a higher interest rate. You will pay this higher rate for the life of the loan.

Tip: Ask the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.
The second is when refinancing fees are included in (“rolled into” or “financed into”) your loan—they become part of the principal you borrow. While you will not be required to pay cash up front, you will instead end up repaying these fees with interest over the life of your loan.

Tip: When lenders offer a “no-cost” loan, they may include a prepayment penalty to discourage you from refinancing within the first few years of the loan. Ask the lender offering a no-cost loan to explain all the fees and penalties before you agree to these terms.

 

Mortgage loan Lenders -Georgia–N-O-P-Q-R

NATIONAL BANK OF GEORGIA
FHA MORTGAGE DEPARTMENT
2234 WEST BROAD STREET
ATHENS, GA  30606
Phone: (706) 355-3122

NATIONAL GUARANTY MORTGAGE COR
FHA MORTGAGE DEPARTMENT
5825 GLENRIDGE DR BL 3 STE 101
ATLANTA, GA  30328
Phone: (404) 250-3595

NATIONS BANK MORTGAGE CORP OF
FHA MORTGAGE DEPARTMENT
2059 NORTHLAKE PKWY
TUCKER, GA  30085
Phone: (404) 491-4481

NATIONS FUNDING GROUP
FHA MORTGAGE DEPARTMENT
771 SPRING STREET NW SUITE 109
ATLANTA, GA  30308
Phone: (404) 877-0177

NATIONSBANC REAL ESTATE SRVRS
FHA MORTGAGE DEPARTMENT
9639 HIGHWAY 5 STE 103
DOUGLASVILLE, GA  30135
Phone: (404) 491-4468

NATIONWISE MORTGAGE CORPORATIO
FHA MORTGAGE DEPARTMENT
2001 MLK JR DRIVE SUITE 419
ATLANTA, GA  30310
Phone: (404) 752-7600

NCF MORTGAGE CORPORATION
DBA PRIME LENDING
210 BOBBY JONES EXPRESSWAY
AUGUSTA, GA  30907
Phone: (404) 863-5626

NDB MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
1065A RALPH D ABERNATHY BLD SW
ATLANTA, GA  30310
Phone: (404) 753-1414

NETWORK MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
1400 BUFORD HWY BLDG M SUITE 3
SUGAR HILL, GA  30518
Phone: (770) 271-7088

NEW HEIGHTS CAPITAL LLC
BLDG 14, SUITE 200
2900 CHAMBLEE TUCKER RD, NE
ATLANTA, GA  30341
Phone: (678) 530-9989

NEW HOMES FINANCIAL SERVICES
FHA MORTGAGE DEPARTMENT
1605 MANSELL ROAD SUITE C
ALPHARETTO, GA  30004
Phone: (770) 587-4737

NEW HORIZON MORTGAGE INC
FHA MORTGAGE DEPARTMENT
5855 JIMMY CARTER BLVD STE 150
NORCROSS, GA  30071
Phone: (770) 840-4511

NEW SOUTH MORTGAGE INC
FHA MORTGAGE DEPARTMENT
110 CORPORATE DRIVE
CARROLLTON, GA  30117
Phone: (770) 214-0696

NF INVESTMENTS INC
CHIEF FINANCIAL OFFICER
1669 PHOENIX PKWY 150
ATLANTA, GA  30349
Phone: (770) 909-7999

NORTH GEORGIA NATIONAL BANK
FHA MORTGAGE DEPARTMENT
350 W BELMONT DRIVE
CALHOUN, GA  30701
Phone: (706) 629-6499

NORTHERN SOLUTIONS INC
FHA MORTGAGE DEPARTMENT
777 CLEVELAND AVENUE
ATLANTA, GA  30315
Phone: (404) 763-9933

NORTHLAND SERVICES INC
FHA MORTGAGE DEPARTMENT
35B SOUTH PEACHTREE ST.
NORCROSS, GA  30071-2503
Phone: (770) 455-3860

NORTHPOINT CAPITAL INC
FHA MORTGAGE DEPARTMENT
1770 INDIAN TRAIL ROAD STE 175
NORCROSS, GA  30093
Phone: (770) 381-8260

NORTHPOINT HOME LOANS INC
FHA MORTGAGE DEPARTMENT
4360 GEORGETOWN SQUARE STE 803
ATLANTA, GA  30338
Phone: (678) 285-0127

NORTHWEST GEORGIA BANK
FHA MORTGAGE DEPARTMENT
5063 ALABAMA HWY
RINGGOLD, GA  30736
Phone: (706) 965-3000

OCONEE STATE BANK
FHA MORTGAGE DEPARTMENT
35 NORTH MAIN STREET
WATKINSVILLE, GA  30677
Phone: (706) 769-3628

ONE WORLD INTERNATIONAL MORTGA
FHA MORTGAGE DEPARTMENT
5302 BUFORD HIGHWAY STE B6
ATLANTA, GA  30340
Phone: (770) 451-6060

OXFORD CAPITAL LLC
FHA MORTGAGE DEPARTMENT
665 MARIETTA STREET
ATLANTA, GA  30313
Phone: (678) 244-0715

P AND R MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
925 MAIN STREET SUITE 107
STONE MOUNTAIN, GA  30083
Phone: (770) 981-7946

PARAMOUNT FINANCIAL GROUP INC
FHA MORTGAGE DEPARTMENT
6425 POWERS ROAD SUITE 285
ATLANTA, GA  30339
Phone: (770) 980-6117

PARK AVENUE BANK

3102 NORTH OAK STREET EXT
VALDOSTA, GA  31602
Phone: (912) 242-7758

PEACH CITY MORTGAGE INC
FHA MORTGAGE DEPARTMENT
1895 PHOENIX BLVD STE 107
COLLEGE PARK, GA  30349
Phone: (404) 285-5159

PEACH STATE MORTGAGE CORPORATI
FHA MORTGAGE DEPARTMENT
135 POWERS FERRY RD
MARIETTA, GA  30067
Phone: (770) 565-7556

PEACHTREE BANK
FHA MORTGAGE DEPARTMENT
9570 MEDLOCK BRIDGE ROAD
DULUTH, GA  30097
Phone: (770) 814-8100

PEOPLES BANK WEST GEORGIA
FHA MORTGAGE DEPARTMENT
119 MAPLE STREET
CARROLLTON, GA  30117
Phone: (770) 838-9608

PERIMETER CITY MORTGAGE
FHA MORTGAGE DEPARTMENT
6030 GA HWY 85 – SUITE 106
RIVERDALE, GA  30274
Phone: (770) 909-4373

PERIMETER MORTGAGE FUNDING
FHA MORTGAGE DEPARTMENT
2835 BRANDYWINE RD SUITE 102
ATLANTA, GA  30341
Phone: (770) 454-1500

PHOENIX FINANCIAL GROUP INC
FHA MORTGAGE DEPARTMENT
6000 LAKE FORREST DR NW STE425
ATLANTA, GA  30328
Phone: (404) 256-3233

PHOENIX GLOBAL MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
1010 HUNTCLIFF – SUITE 2315
ATLANTA, GA  30350
Phone: (770) 518-2440

PIEDMONT FUNDING GROUP INC
FHA MORTGAGE DEPARTMENT
750 HAMMOND DR BLDG 18 STE 350
ATLANTA, GA  30328
Phone: (404) 256-0520

PIEDMONT MORTGAGE CORPORATION

2900 PIEDMONT ROAD
ATLANTA, GA  30305
Phone: (404) 812-4699

PINE STATE MORTGAGE CORPORATIO
FHA MORTGAGE DEPARTMENT
6065 ROSWELL ROAD NE STE 120
ATLANTA, GA  30328
Phone: (404) 252-5272

PINE VALLEY MORTGAGE CORPORATI
FHA MORTGAGE DEPARTMENT
4126 PLEASANTDALE RD STE A14
ATLANTA, GA  30340
Phone: (770) 453-9000

PINNACLE BANK NA
FHA MORTGAGE DEPARTMENT
844 ELBERT STREET
ELBERTON, GA  30635
Phone: (706) 283-2854

PLATINUM CAPITAL MORTGAGE INC
FHA MORTGAGE DEPARTMENT
3300 N.E. EXPRESSWAY BUILD 4-J
CHAMBLEE, GA  30341
Phone: (770) 455-4355

POWER MORTGAGE COMPANY GEORGIA
FHA MORTGAGE DEPARTMENT
114 MILL STREET
WOODSTOCK, GA  30188
Phone: (404) 926-0600

PREFERRED LENDING GROUP
FHA MORTGAGE DEPARTMENT
210 MAIN STREET
LOGANVILLE, GA  30052
Phone: (770) 466-1954

PREMIER FINANCIAL SERVICES INC
FHA MORTGAGE DEPARTMENT
2444 HIGHWAY 120
DULUTH, GA  30097
Phone: (770) 476-5044

PRESTIGE MORTGAGE CO INC
FHA MORTGAGE DEPARTMENT
1742 MT VERNON RD SUITE 305
DUNWOODY, GA  30338
Phone: (770) 804-8402

PRESTIGE MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
7440 HIGHWAY 92 STE 120
WOODSTOCK, GA  30189
Phone: (404) 591-4810

PRIMARY CAPITAL ADVISORS LLC
FHA MORTGAGE DEPARTMENT
2100 RIVEREDGE PARKWAY STE 950
ATLANTA, GA  30328
Phone: (404) 365-9300

PRIME BANK FSB
MORTGAGE UNDERWRITING
101 WEST PONCE DELEON AVE
DECATUR, GA  30030
Phone: (404) 377-0211

PRIME MORTGAGE NETWORK INC
FHA MORTGAGE DEPARTMENT
250 MAIN STREET
LOGANVILLE, GA  30249
Phone: (770) 554-0202

PRIMROSE MORTGAGE CO INC
FHA MORTGAGE DEPARTMENT
3207 S CHEROKEE LANE STE 410
WOODSTOCK, GA  30188
Phone: (678) 841-1100

PRODUCTIVE MORTGAGE CORPORATIO
FHA MORTGAGE DEPARTMENT
5536L OLD NATL HWY STE 100
COLLEGE PARK, GA  30349
Phone: (404) 766-1599

PROFESSIONAL LENDING LLC
FHA MORTGAGE DEPARTMENT
3529 WALTON WAY EXT
AUGUSTA, GA  30909
Phone: (706) 733-3340

PROVIDENCE MORTGAGE INC
FHA MORTGAGE DEPARTMENT
2001 MONTREAL ROAD SUITE 106
TUCKER, GA  30084
Phone: (770) 493-1000

QUALITY MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
126 ENTERPRISE PATH STE 207
HIRAM, GA  30141
Phone: (770) 439-2113

REAL ESTATE FINANCIAL SVCS INC
DBA DEBORAH JANICKI
3875 MANSELL ROAD SUITE 200
ALPHARETTA, GA  30022
Phone: (770) 594-7337

REPUBLIC MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
150 INTERSTATE N PKWY STE 160
ATLANTA, GA  30339
Phone: (404) 984-1744

RESIDENTIAL MTGAGE SOURCE INC
FHA MORTGAGE DEPARTMENT
1930 HUDSON BRIDGE ROAD
STOCKBRIDGE, GA  30281
Phone: (770) 210-6423

RESOLUTION MORTGAGE SERVICES I
FHA MORTGAGE DEPARTMENT
3625 HUTCHINSON ROAD
CUMMING, GA  30130
Phone: (770) 887-2247

RHODES FINANCIAL SERVICES INC
FHA MORTGAGE DEPARTMENT
610 RONALD REAGAN DRIVE
EVANS, GA  30809
Phone: (706) 855-0609

RIVERSIDE BANK
FHA MORTGAGE DEPARTMENT
1200 JOHNSON FERRY ROAD
MARIETTA, GA  30068
Phone: (770) 977-8585

ROCKDALE NATIONAL BANK
FHA MORTGAGE DEPARTMENT
1000 GEORGIA HWY 138
CONYERS, GA  30013
Phone: (770) 785-7238

ROME MORTGAGE CO
FHA MORTGAGE DEPARTMENT
413 SHORTER AVENUE, SUITE 111
ROME, GA  30165
Phone: (706) 290-1111

ROSSVILLE BANK
FHA MORTGAGE DEPARTMENT
316 CHICKAMAUGA AVE
ROSSVILLE, GA  30741
Phone: (706) 861-8891

Mortgage loan Lenders -Michigan-N-O

________________________________________
NATIONAL BANK ROYAL OAK

215 S. CENTER
ROYAL OAK, MI  48068
Phone: (000) 000-0000

________________________________________
NATIONAL CITY MORTGAGE SERVICE
FHA MORTGAGE DEPARTMENT
400 WEST FOURTH STREET RJ2SB4
ROYAL OAK, MI  48067
Phone: (248) 691-3325

________________________________________
NATIONS FIRST FINANCIAL LLC
FHA MORTGAGE DEPARTMENT
755 WEST BEAVER SUITE 127
TROY, MI  48084
Phone: (248) 244-1334

________________________________________
NATIONS FUNDING COMPANY LLC
FHA MORTGAGE DEPARTMENT
27941 HARPER AVENUE STE 102
ST CLAIR SHORES, MI  48081
Phone: (810) 775-8800

________________________________________
NATIONS HOME FUNDING INC
FHA MORTGAGE DEPARTMENT
3350 EAGLE PARK DR NE STE 101
GRAND RAPIDS, MI  49525
Phone: (615) 370-8888

________________________________________
NATIONWIDE INVESTMENT SERV COR
DBA NATIONWIDE 1ST MTG SERVICE
24901 NO WESTERN HWY STE 312
SOUTHFIELD, MI  48075
Phone: (248) 358-3100

________________________________________
NBD CADILLAC BANK

103 NORTH MITCHELL STREET
CADILLAC, MI  49601
Phone: (616) 775-4611

NBD GENESEE BANK

NO. 1 EAST FIRST ST
FLINT, MI  48502
Phone: (313) 766-8100

________________________________________
NBD GRAND RAPIDS NA

200 OTTAWA
GRAND RAPIDS, MI  49503
Phone: (616) 451-7160

________________________________________
NETWORK MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
401 SOUTH OLD WOODWARD STE 420
BIRMINGHAM, MI  48009
Phone: (248) 433-0375

________________________________________
NORTHERN MICHIGAN BANK

723 LUDINGTON ST
ESCANABA, MI  49829
Phone: (906) 786-0220

________________________________________
NORTHERN MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
2876 28TH STREET SW
GRANDVILLE, MI  49418
Phone: (616) 532-5551

________________________________________
NORTHWESTERN SAVINGS BANK AND

201 E FRONT ST
TRAVERSE CITY, MI  49684
Phone: (616) 947-5490

________________________________________
NOVA MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
43902 S WOODWARD SUITE 116
BLOOMFIELD HILLS, MI  48302
Phone: (248) 333-3880

________________________________________
OAKLAND COUNTY CREDIT UNION
FHA MORTGAGE DEPARTMENT
1220 COUNTY CENTER DRIVE WEST
WATERFORD, MI  48328
Phone: (248) 332-9171

________________________________________
OAKRIDGE MORTGAGE CO
FHA MORTGAGE DEPARTMENT
3115 ORCHARD VISTA DRIVE SE
GRAND RAPIDS, MI  49546
Phone: (616) 957-4160

________________________________________
OLD KENT BANK – SOUTHWEST
FHA MORTGAGE DEPARTMENT
136 E MICHIGAN R-E
KALAMAZOO, MI  49007
Phone: (616) 383-6751

________________________________________
OLD KENT BANK BIG RAPIDS
FHA MORTGAGE DEPARTMENT
101 N MICHIGAN AVENUE
BIG RAPIDS, MI  49307
Phone: (616) 796-2661

________________________________________
OLD KENT BANK CADILLAC

123 S MITCHELL STREET
CADILLAC, MI  49601
Phone: (616) 779-2700

________________________________________
OLD KENT BANK CENTRAL

123 N. WASHINGTON ST.
OWOSSO, MI  48867
Phone: (517) 723-8811

________________________________________
OLD KENT BANK GAYLORD
FHA MORTGAGE DEPARTMENT
123 W MAIN ST
GAYLORD, MI  49735
Phone: (517) 732-2411

________________________________________
OLD KENT BANK GRAND HAVEN

233 WASHINGTON STREET
GRAND HAVEN, MI  49417
Phone: (616) 842-3100

________________________________________
OLD KENT BANK GRAND TRAVERSE

102 W FRONT STREET
TRAVERSE CITY, MI  49684
Phone: (616) 922-4140

________________________________________
OLD KENT BANK HILLSDALE

10 S BROAD STREET
HILLSDALE, MI  49242
Phone: (517) 437-4426

________________________________________
OLD KENT BANK HOLLAND

36 EAST 8TH ST
HOLLAND, MI  49423
Phone: (000) 000-0000

________________________________________
OLD KENT BANK LANSING NA

232 S CAPITOL AVE
LANSING, MI  48901-7311
Phone: (517) 372-7500

________________________________________
OLD KENT BANK LUDINGTON

124 S JAMES ST
LUDINGTON, MI  49431
Phone: (616) 845-5144

OLD KENT BANK OF HOLLAND

36 E 8TH STREET
HOLLAND, MI  49423
Phone: (616) 394-7363

________________________________________
OLD KENT BANK OF PETOSKEY

300 E. MITCHELL ST.
PETOSKEY, MI  49770
Phone: (616) 347-5050

________________________________________
OLD KENT BANK SOUTHEAST
FHA MORTGAGE DEPARTMENT
524 E MILHAM ROAD
KALAMAZOO, MI  49002
Phone: (313) 671-2491

________________________________________
OLD KENT BANK SOUTHWEST

210 E. MAIN ST.
NILES, MI  49120
Phone: (616) 683-4000

________________________________________
OLD KENT BANK ST JOHNS
FHA MORTGAGE DEPARTMENT
201 E WALKER ST
SAINT JOHNS, MI  48879
Phone: (517) 224-6871

________________________________________
OLD KENT MORTGAGE COMPANY
FHA MORTGAGE DEPARTMENT
1850 EAST PARIS MD-ROPS17
GRAND RAPIDS, MI  49546-4011
Phone: (616) 771-1908

________________________________________
OLD MISSION BANK
FHA MORTGAGE DEPARTMENT
2701 1-75 BUSINESS SPUR
SAULT STE MARIE, MI  49783
Phone: (906) 635-9910

Mortgage loan Lenders -Massachusetts-A-B

ACCESSIBLE MORTGAGE CORPORATIO
FHA MORTGAGE DEPARTMENT
118 ELM STREET
PITTSFIELD, MA  01201
Phone: (413) 447-8525

ADVANTAGE BANK

25 BARTLETT ROAD
WINTHROP, MA  02152
Phone: (617) 846-9200

ADVANTAGE MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
775 MAIN STREET
WEST DENNIS, MA  02670
Phone: (508) 394-9877

ADVISORY GROUP FINANCIAL SERVI
FHA MORTGAGE DEPARTMENT
505 BROADWAY AVENUE
LYNNFIELD, MA  01940
Phone: (617) 592-8500

AFFORDABLE MORTGAGE CO INC
FHA MORTGAGE DEPARTMENT
735 SUMNER AVENUE
SPRINGFIELD, MA  01108
Phone: (413) 746-1034

ALL AMERICAN MORTGAGE LTD
FHA MORTGAGE DEPARTMENT
1020 PLAIN STREET STE 104
MARSHFIELD, MA  02050
Phone: (781) 834-0219

ALLANACH MORTGAGE GROUP
FHA MORTGAGE DEPARTMENT
150 WESTFORD ROAD SUITE 34-36
TYNGSBORO, MA  01879
Phone: (978) 649-4868

AMERICAN FAMILY LOAN CENTERS I
DBA AMERICAN FAMILY MORTGAGE
603 SUMNER AVENUE
SPRINGFIELD, MA  01108
Phone: (413) 732-5000

AMERICAN HOME LOAN MTG CORP
FHA MORTGAGE DEPARTMENT
1 MOUNTAIN ROAD
BURLINGTON, MA  01803
Phone: (617) 272-6700

AMERICAN INVESTMENT TEAM INC
FHA MORTGAGE DEPARTMENT
500 WEST CUMMINGS PK STE 6050
WOBURN, MA  01801
Phone: (781) 935-7156

AMERICAN LIBERTY MTG AND LOAN
FHA MORTGAGE DEPARTMENT
40 POND STREET
WORCESTER, MA  01604
Phone: (508) 793-8637

AMERICAN MORTGAGE SERVICES
FHA MORTGAGE DEPARTMENT
824 MAIN STREET
MELROSE, MA  02176
Phone: (617) 662-2552

ANDOVER BANK
FHA MORTGAGE DEPARTMENT
61 MAIN STREET
ANDOVER, MA  01810
Phone: (978) 475-6194

ANN PROCTOR INC
DBA MONTACHUSETT MORTGAGE CO
646 CENTRAL STREET STE 3
LEOMINISTER, MA  01453
Phone: (978) 534-4141

ARBOR NATIONAL COMMERICAL MTG
FHA MORTGAGE DEPARTMENT
15 BROAD STREET
BOSTON, MA  02109
Phone: (617) 557-0100

ARLINGTON TRUST CO
FHA MORTGAGE DEPARTMENT
305 ESSEX STREET
LAWRENCE, MA  01840
Phone: (617) 975-4794

ARLINGTON TRUST FINANCIAL SERV
FHA MORTGAGE DEPARTMENT
25 RAILROAD SQUARE SUITE 502
HAVERHILL, MA  01832
Phone: (508) 372-1250

ARROW MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
3229 CRANBERRY HIGHWAY
BUZZARDS BAY, MA  02532
Phone: (508) 759-1919

ASSABET INSTITUTION FOR SVGS

17 NASON ST.
MAYNARD, MA  01754
Phone: (000) 000-0000

BANK OF NEW ENGLAND WORCESTER

370 MAIN STREET
WORCESTER, MA  01608
Phone: (617) 791-7811

BANK OF NEW ENGLAND HANCOCK

1495 HANCOCK ST
QUINCY, MA  02169
Phone: (000) 000-0000

BAY STATE MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
401 OLD COLONY ROAD
NORTON, MA  02766
Phone: (508) 226-2700

BAY STATE SAVING BANK

30 FRANKLIN STREET
WORCESTER, MA  01608
Phone: (508) 791-8161

BERKSHIRE BANK
FHA MORTGAGE DEPARTMENT
24 NORTH STREET
PITTSFIELD, MA  01201
Phone: (413) 443-5601

BERKSHIRE BANK AND TRUST CO

54 NORTH STREET
PITTSFIELD, MA  21201
Phone: (413) 443-5601

BERKSHIRE MORTGAGE FINANCE
FHA MORTGAGE DEPARTMENT
ONE BEACON STREET 14TH FLOOR
BOSTON, MA  02108
Phone: (617) 523-0066

BEVERLY SAVINGS BANK

175 CABOT ST.
BEVERLY, MA  01915
Phone: (000) 000-0000

BOSTON FEDERAL SAVINGS BANK
LOAN SERVICING DEPARTMENT
17 NEW ENGLAND EXECUTIVE PARK
BURLINGTON, MA  01803
Phone: (617) 273-0300

BOSTON FIVE MORTGAGE CORP

10 SCHOOL ST
BOSTON, MA  02108
Phone: (617) 742-6000

BOSTON MUTUAL LIFE INSURANCE

120 ROYALL ST
CANTON, MA  02021
Phone: (617) 828-7000

BRAINTREE COOPERATIVE BANK

1010 WASHINGTON STREET
BRAINTREE, MA  02184
Phone: (617) 843-1370

BRIDGEWATER SAVINGS BANK
FHA MORTGAGE DEPARTMENT
756 ORCHARD STREET
RAYNHAM, MA  02767
Phone: (508) 884-3300

BRISTOL COUNTY SAVINGS BANK

35 BROADWAY
TAUNTON, MA  02780
Phone: (508) 824-6626

BROCKTON CREDIT UNION
FHA MORTGAGE DEPARTMENT
68 LEGION PARKWAY
BROCKTON, MA  02403
Phone: (508) 895-1000

BUTLER BANK
FHA MORTGAGE DEPARTMENT
GATEWAY CTR 10 GEORGE STREET
LOWELL, MA  01852
Phone: (978) 452-5744

Mortage Loan Lender-Texas-38

TRAVIS MORTGAGE CORPORATION
400 WEST 15TH STREET
AUSTIN, TX  78711
Phone: (512) 476-7466
 

TRI STATE MORTGAGE CO
FHA MORTGAGE DEPARTMENT
6090 SURETY DRIVE SUITE 102
EL PASO, TX  79905
Phone: (915) 772-1177
 

TRI-STAR MORTGAGE INC
FHA MORTGAGE DEPARTMENT
10205 OASIS STE 305
SAN ANTONIO, TX  78216
Phone: (210) 342-5155
 

TRINITY FINANCE CORPORATION
PRESIDENT
522 EDMONDS SUITE 200
LEWISVILLE, TX  75067
Phone: (972) 434-8400
 

TRINITY PROFESSIONAL SERVICES
FHA MORTGAGE DEPARTMENT
1310 N BIG SPRING
MIDLAND, TX  79701
Phone: (915) 686-9411
 

TURNER-YOUNG INVESTMENT CO
1100 SUMMIT
FORT WORTH, TX  76102
Phone: (817) 335-7171
 

TXL MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
11931 WICKCHESTER SUITE 400
HOUSTON, TX  77043
Phone: (281) 584-9940
 

UNIFIRST AMERICAN MTG CORP
NO PREMIUMS OWING – NO PHONE
300 WEST 5TH STE 950
AUSTIN, TX  99999-9999
Phone: (512) 477-8947
 

UNION CAPITAL MORTGAGE INC
FHA MORTGAGE DEPARTMENT
17049 EL CAMINO REAL SUITE 103
HOUSTON, TX  77058
Phone: (281) 286-6777
 

UNION SQUARE FEDERAL CR UN
1401 HOLLIDAY
WICHITA FALLS, TX  76301
Phone: (817) 720-8000
 

UNITED CAPITAL MORTGAGE INC
DBA CAPITAL MORTGAGE
445 E WALNUT STREET STE 113
RICHARDSON, TX  75081
Phone: (972) 238-9770
 

UNITED DALLAS SERVICES INC
FHA MORTGAGE DEPARTMENT
17000 PRESTON ROAD STE 320
DALLAS, TX  75248
Phone: (972) 818-5656
 

UNITED LENDING PARTNERS LTD
FHA MORTGAGE DEPARTMENT
1349 EMPIRE CENTRAL, 12TH F
DALLAS, TX  75247
Phone: (214) 231-7700
 

UNITED SAVINGS ASSN SW FSB
LOAN ADMINISTRATOR MANAGER
3800 BUFFALO SPEEDWAY STE 400
HOUSTON, TX  77098
Phone: (404) 424-4400
 

UNITED SAVINGS ASSN TX FSB
FHA MORTGAGE DEPARTMENT
3200 SOUTHWEST FRWY STE 2000
HOUSTON, TX  77027
Phone: (713) 963-6779
 

UNIVERSAL LENDING GROUP INC
FHA MORTGAGE DEPARTMENT
181 GRAND AVENUE SUITE 225
SOUTHLAKE, TX  76092
Phone: (817) 424-5910
 

UNIVERSITY SAVINGS ASSN
1160 DAIRY ASHFORD
HOUSTON, TX  77079
Phone: (713) 596-1000
 

US MORTGAGE CORP OF DELAWARE
400 E LAS COLINAS BLVD
IRVING, TX  75015
Phone: (214) 484-4840
 

USA HOMEOWNERS
FHA MORTGAGE DEPARTMENT
16633 N DALLAS PARKWAY STE 600
ADDISON, TX  75001
Phone: (972) 588-3331
 

USA MORTGAGE FUNDING LLC
DBA LAKEWAY MORTGAGE
1310 RR 620 SOUTH SUITE B-205
AUSTIN, TX  78734
Phone: (512) 261-3811

 

Mortage Loan Lender-Texas-38

TRAVIS MORTGAGE CORPORATION
400 WEST 15TH STREET
AUSTIN, TX  78711
Phone: (512) 476-7466
 

TRI STATE MORTGAGE CO
FHA MORTGAGE DEPARTMENT
6090 SURETY DRIVE SUITE 102
EL PASO, TX  79905
Phone: (915) 772-1177
 

TRI-STAR MORTGAGE INC
FHA MORTGAGE DEPARTMENT
10205 OASIS STE 305
SAN ANTONIO, TX  78216
Phone: (210) 342-5155
 

TRINITY FINANCE CORPORATION
PRESIDENT
522 EDMONDS SUITE 200
LEWISVILLE, TX  75067
Phone: (972) 434-8400
 

TRINITY PROFESSIONAL SERVICES
FHA MORTGAGE DEPARTMENT
1310 N BIG SPRING
MIDLAND, TX  79701
Phone: (915) 686-9411
 

TURNER-YOUNG INVESTMENT CO
1100 SUMMIT
FORT WORTH, TX  76102
Phone: (817) 335-7171
 

TXL MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
11931 WICKCHESTER SUITE 400
HOUSTON, TX  77043
Phone: (281) 584-9940
 

UNIFIRST AMERICAN MTG CORP
NO PREMIUMS OWING – NO PHONE
300 WEST 5TH STE 950
AUSTIN, TX  99999-9999
Phone: (512) 477-8947
 

UNION CAPITAL MORTGAGE INC
FHA MORTGAGE DEPARTMENT
17049 EL CAMINO REAL SUITE 103
HOUSTON, TX  77058
Phone: (281) 286-6777
 

UNION SQUARE FEDERAL CR UN
1401 HOLLIDAY
WICHITA FALLS, TX  76301
Phone: (817) 720-8000
 

UNITED CAPITAL MORTGAGE INC
DBA CAPITAL MORTGAGE
445 E WALNUT STREET STE 113
RICHARDSON, TX  75081
Phone: (972) 238-9770
 

UNITED DALLAS SERVICES INC
FHA MORTGAGE DEPARTMENT
17000 PRESTON ROAD STE 320
DALLAS, TX  75248
Phone: (972) 818-5656
 

UNITED LENDING PARTNERS LTD
FHA MORTGAGE DEPARTMENT
1349 EMPIRE CENTRAL, 12TH F
DALLAS, TX  75247
Phone: (214) 231-7700
 

UNITED SAVINGS ASSN SW FSB
LOAN ADMINISTRATOR MANAGER
3800 BUFFALO SPEEDWAY STE 400
HOUSTON, TX  77098
Phone: (404) 424-4400
 

UNITED SAVINGS ASSN TX FSB
FHA MORTGAGE DEPARTMENT
3200 SOUTHWEST FRWY STE 2000
HOUSTON, TX  77027
Phone: (713) 963-6779
 

UNIVERSAL LENDING GROUP INC
FHA MORTGAGE DEPARTMENT
181 GRAND AVENUE SUITE 225
SOUTHLAKE, TX  76092
Phone: (817) 424-5910
 

UNIVERSITY SAVINGS ASSN
1160 DAIRY ASHFORD
HOUSTON, TX  77079
Phone: (713) 596-1000
 

US MORTGAGE CORP OF DELAWARE
400 E LAS COLINAS BLVD
IRVING, TX  75015
Phone: (214) 484-4840
 

USA HOMEOWNERS
FHA MORTGAGE DEPARTMENT
16633 N DALLAS PARKWAY STE 600
ADDISON, TX  75001
Phone: (972) 588-3331
 

USA MORTGAGE FUNDING LLC
DBA LAKEWAY MORTGAGE
1310 RR 620 SOUTH SUITE B-205
AUSTIN, TX  78734
Phone: (512) 261-3811