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Mortage Loan Lender – Utah-6
LEGACY FINANCIAL AND INSURANCE | |
FHA MORTGAGE DEPARTMENT 720 SOUTH RIVER ROAD STE C 215 ST GEORGE, UT 84790 Phone: (435) 652-9898 |
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LEGACY MORTGAGE FINANCIAL SERV | |
FHA MORTGAGE DEPARTMENT 1971 N STATE STREET PROVO, UT 84604 Phone: (801) 356-7002 |
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LENDING SOLUTIONS INC | |
FHA MORTGAGE DEPARTMENT 6322 SO 3000 EAST, SUITE 110 SALT LAKE CITY, UT 84121 Phone: (801) 924-1888 |
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LESLIE PETERSEN ENTERPRISES | |
MORTGAGE EDUCATORS 443 WEST BEARCAT DRIVE SALT LAKE CITY, UT 84115 Phone: (801) 582-7915 |
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LEXINGTON MORTGAGE | |
FHA MORTGAGE DEPARTMENT 1945 NORTH 1120 WEST PROVO, UT 84604 Phone: (801) 373-5944 |
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LIBERTY BANK | |
FHA MORTGAGE DEPARTMENT 326 SOUTH 500 EAST SALT LAKE CITY, UT 84102 Phone: (801) 355-7411 |
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LIBERTY MORTGAGE AND INVESTMEN | |
FHA MORTGAGE DEPARTMENT 1398 N HILLFIELD ROAD SUITE 2 LAYTON, UT 84041 Phone: (801) 497-9908 |
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LIBERTY MORTGAGE CORPORATION | |
4424 SOUTH 700 EAST SUITE 170 SALT LAKE CITY, UT 84107 Phone: (801) 261-4902 |
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LIBERTY MORTGAGE OF UTAH LLC | |
FHA MORTGAGE DEPARTMENT 26 NORTH TREMONT STREET TREMONTON, UT 84337 Phone: (435) 257-6936 |
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LISH MORTGAGE CORPORATION | |
96 SOUTH MAIN STREET BRIGHAM CITY, UT 84302 Phone: (801) 723-1422 |
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LIVINGSTON MORTGAGE INC | |
FHA MORTGAGE DEPARTMENT 575 EAST 4500 SOUTH B-180 SALT LAKE CITY, UT 84107 Phone: (801) 756-6907 |
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LOAN ACCESS USA INC | |
FHA MORTGAGE DEPARTMENT 2137 EAST 3300 SOUTH # 204 SALT LAKE CITY, UT 84109 Phone: (801) 487-6636 |
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LOGAN SAVINGS AND LOAN ASSN | |
399 NORTH MAIN ST LOGAN, UT 84321 Phone: (801) 753-8010 |
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MAIRC MORTGAGE CORP | |
FHA MORTGAGE DEPARTMENT 859 W SOUTH JORDAN PKWY STE101 SOUTH JORDAN, UT 84095 Phone: (801) 984-6880 |
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MCM MORTGAGE CORPORATION | |
FHA MORTGAGE DEPARTMENT 1145 WASHINGTON BLVD SUITE 2 OGDEN, UT 84404 Phone: (801) 612-1000 |
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MERRILL LYNCH BANK USA | |
FHA MORTGAGE DEPARTMENT 15 W SOUTH TEMPLE ST SUITE-300 SALT LAKE CITY, UT 84101 Phone: (801) 363-9850 |
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METROPOLITAN MORTGAGE INC | |
FHA MORTGAGE DEPARTMENT 4905 S 900 EAST STE 601 SALT LAKE CITY, UT 84117 Phone: (801) 281-2811 |
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MIDTOWNE MORTGAGE INC | |
FHA MORTGAGE DEPARTMENT 740 E 3900 SOUTH SUITE 200 SALT LAKE CITY, UT 84107 Phone: (801) 265-1133 |
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MILLER MORTGAGE SERVICES INC | |
FHA MORTGAGE DEPARTMENT 6770 S 900E STE 300 MIDVALE, UT 84047 Phone: (801) 567-9710 |
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MORTGAGE COMPANY | |
FHA MORTGAGE DEPARTMENT 144 N MAIN SPANISH FORK, UT 84660 Phone: (801) 798-1581 |
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300 total views, 1 today
Truth in Lending Act
Truth in Lending Act
Annual Percentage RateThe cost of your credit as a yearly rate.
A% |
Finance ChargeThe dollar amount the credit will cost you.
$B |
Amount FinancedThe amount of credit provided to you on your behalf.
$C |
Total of PaymentsThe amount you will have paid after you have made all payments as scheduled.
$D |
Federal law provides that you receive a federal Truth in Lending Disclosure Statement before consummating a consumer credit transaction. It should be studied carefully as well as other information given to you regarding the credit transaction.
See Web Site for a Truth in Lending Disclosure Examples-Closed-End Disclosures
Following are some of the most frequently asked questions about the Truth in Lending Statement and their answers.
Q: WHAT IS A TRUTH IN LENDING DISCLOSURE STATEMENT AND WHY DO I RECEIVE IT?
A: Your Disclosure Statement provides information set forth by federal law (Regulation Z, RESPA). The Disclosure is designed to give you information about the costs of your credit so that you may compare those costs with those of other loan programs or lenders.
Q: WHAT IS THE ANNUAL PERCENTAGE RATE? (Box “A” above)
A: This should not be confused with your note rate. The Annual Percentage Rate, or APR, is the cost of your credit expressed as an annual rate. Because you may be paying closing costs, also known as prepaid finance charges (origination fee, discount points, mortgage insurance, interest), the APR on the disclosure is often higher than the interest rate on your loan. This APR can be compared to the APR of other loan programs to give you a consistent means of comparing rates and programs.
Q: WHY IS THE ANNUAL PERCENTAGE RATE DIFFERENT FROM THE INTEREST RATE FOR WHICH I APPLIED?
A: The APR is computed from the Amount Financed based on what your proposed payments will be on the actual loan amount credited to you at the time the loan is closed.
For example, a $50,000 loan with $2,000 in Prepaid Finance Charges, a fixed interest rate of 12%, and a 30 year term, the payments would be $514.31(principal and interest only). Since the APR is based on the Amount Financed, ($50,000 – $2,000 = $48,000) while the payment is based on the actual loan amount ($50,000), the APR would be 12.553% which is higher than the interest or note rate.
Q: WHAT IS THE FINANCE CHARGE? (Box “B” above)
A: The Finance Charge is the cost of credit expressed in dollars. It is the total amount of interest calculated at the interest rate over the life of the loan, plus Prepaid Finance Charges and the total amount of any required mortgage insurance charged over the life of the loan.
Q: WHAT IS THE AMOUNT FINANCED? (Box “C” above)
A: This should not be confused with your loan (mortgage) amount. The Amount Financed is the amount of credit provided to you or on your behalf, MINUS Prepaid Finance Charges.
Prepaid Finance Charges include, but are not limited to, items paid at or before the loan closing, such as loan origination, commitment or discount fees (points), interest, and initial mortgage insurance premium. The Amount Financed represents a NET figure used to allow you to accurately assess the amount of credit actually provided. The Amount Financed is lower than the amount you applied for because it represents a NET figure. If someone applied for a mortgage of $50,000 and their Prepaid Finance Charges total $2,000, the Amount Financed would be shown as $48,000 ($50,000 minus $2,000).
Q: DOES THIS MEAN I WILL GET A LOWER MORTGAGE THAN I APPLIED FOR?
A: No, if your loan is approved for the amount you applied for, that’s how much will be credited toward your home purchase or refinance at closing. The mortgage note will show the final amount you have borrowed.
Q: WHAT IS THE TOTAL OF PAYMENTS? (Box “D” above)
A: This figure indicates the total amount you will have paid if you make the minimum required payments for the entire term of the loan. This includes principal, interest, and mortgage insurance premium (if required), but does not include payments for real estate taxes or property insurance premiums.
Q: I DON’T UNDERSTAND THE PAYMENT SCHEDULE.
A: The payments shown in the disclosure represent principal, interest, and mortgage insurance premium (if required). The payment schedule does not include payments for real estate taxes or property insurance premiums. The payments can vary for a number of reasons. If you have an Adjustable Rate Mortgage for example, the payment schedule will show the payments due on the loan based on any adjustments noted in your program description. If you have mortgage insurance, the payments are effected by prepaid mortgage insurance premiums.
Q: MY STATEMENT SAYS THAT IF I PAY THE LOAN OFF EARLY, I WILL NOT BE ENTITLED TO A REFUND OF PART OF THE FINANCE CHARGE. WHAT DOES THIS MEAN?
A: This means that you will be charged interest for the period of time in which you used the money loaned to you. Your PREPAID finance charges are generally not refundable, nor is any interest which has already been paid. If you pay the loan off early, you should not have to pay the full amount of the “Finance Charges” shown on the disclosure. This charge represents an estimate of the full amount the loan would cost you if the minimum required payments were made each month through the life of the loan. If you have mortgage insurance you may be entitled to a refund of any unused portion of mortgage insurance paid at time the loan closed.
Q: WHY MUST I SIGN THE DISCLOSURE STATEMENT?
A: Lenders are required, by law, to provide the information on the statement to you in a timely manner. Your signature merely indicates that you have received the information and does not obligate either you or your lender in any way unless the disclosures are part of the contractual agreement.
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Maximum Loan Limits for Loans Originated in Fiscal Year 2011-New Jersey-NJ
Fannie Mae and Freddie Mac Maximum Loan Limits for Loans Originated in Fiscal Year 2011 (10/1/2010-9/30/2011) These limits were determined under Public Law Number 111-242, which sets maximum loan limits equal to the higher of the maximum limits determined under the Economic Stimulus Act of 2008 and the Housing and Economic Recovery Act of 2008. |
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FIPS State Code | FIPS County Code | County Name | CBSA Number | State | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
34 | 001 | ATLANTIC | 12100 | NJ | $453,750 | $580,850 | $702,150 | $872,600 |
34 | 003 | BERGEN | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 005 | BURLINGTON | 37980 | NJ | $420,000 | $537,650 | $649,900 | $807,700 |
34 | 007 | CAMDEN | 37980 | NJ | $420,000 | $537,650 | $649,900 | $807,700 |
34 | 009 | CAPE MAY | 36140 | NJ | $487,500 | $624,100 | $754,350 | $937,500 |
34 | 011 | CUMBERLAND | 47220 | NJ | $417,000 | $533,850 | $645,300 | $801,950 |
34 | 013 | ESSEX | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 015 | GLOUCESTER | 37980 | NJ | $420,000 | $537,650 | $649,900 | $807,700 |
34 | 017 | HUDSON | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 019 | HUNTERDON | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 021 | MERCER | 45940 | NJ | $440,000 | $563,250 | $680,850 | $846,150 |
34 | 023 | MIDDLESEX | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 025 | MONMOUTH | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 027 | MORRIS | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 029 | OCEAN | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 031 | PASSAIC | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 033 | SALEM | 37980 | NJ | $420,000 | $537,650 | $649,900 | $807,700 |
34 | 035 | SOMERSET | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 037 | SUSSEX | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 039 | UNION | 35620 | NJ | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
34 | 041 | WARREN | 10900 | NJ | $417,000 | $533,850 | $645,300 | $801,950 |
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Mortgage loan Lenders -New York-G
G AND M WOLKENBERG INC
FHA MORTGAGE DEPARTMENT
2838 LONG BEACH ROAD
OCEANSIDE, NY 11572
Phone: (516) 536-2525
GATEWAY FINANCIAL LTD
FHA MORTGAGE DEPARTMENT
5650 MERRICK ROAD
MASSAPEQUA, NY 11758
Phone: (516) 541-9494
GEDDES SAVINGS AND LOAN ASSN
2208 WEST GENESEE ST
SYRACUSE, NY 13219
Phone: (315) 468-6281
GENESEE REGIONAL BANK
FHA MORTGAGE DEPARTMENT
3670 MT READ BLVD
ROCHESTER, NY 14616
Phone: (716) 663-8930
GENESIS NATIONAL MORTGAGE
FHA MORTGAGE DEPARTMENT
66 GILBERT STREET
NORTHPORT, NY 11768
Phone: (516) 261-1800
GFI MORTGAGE BANKERS INC
FHA MORTGAGE DEPARTMENT
50 BROADWAY
NEW YORK, NY 10004
Phone: (718) 854-1700
GIBRALTAR MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
712 SMITHTOWN BY-PASS
SMITHTOWN, NY 11787
Phone: (516) 265-3000
GLENBY MORTGAGE BANKING LTD
FHA MORTGAGE DEPARTMENT
390 NORTH BROADWAY STE-150
JERICHO, NY 11753
Phone: (516) 681-0900
GLENS FALLS NATIONAL BANK AND
250 GLEN ST
GLENS FALLS, NY 12801
Phone: (518) 793-4121
GLOBAL CONSULTANTS DIRECT INC
DBA GLOBAL MONEY
350 MOTOR PARKWAY STE 210
HAUPPAUGE, NY 11788
Phone: (631) 951-3007
GLOVERSVILLE FEDERAL SAVINGS
ROXANNE L HAACK
52 N MAIN STREET
GLOVERSVILLE, NY 12078
Phone: (518) 725-6331
GLOVERSVILLE FEDERAL SAVINGS
FHA MORTGAGE DEPARTMENT
52 NORTH MAIN STREET
GLOVERSVILLE, NY 12078-3084
Phone: (518) 725-6331
GOLDEN FIRST MORTGAGE CORP
ATTN VICE PRESIDENT
1 HUNTINGTON QUADRANGLE CS8912
MELVILLE, NY 11747
Phone: (516) 249-2100
GOLDMAN SACHS HSG HLTH CARE CO
FHA MORTGAGE DEPARTMENT
85 BROAD STREET 24TH FLOOR
NEW YORK, NY 10004
Phone: (212) 902-6439
GOLDMAN SACHS MORTGAGE COMPANY
FIXED INCOME ACCOUNTING
85 BROAD STREET 10TH FLOOR
NEW YORK, NY 10004
Phone: (212) 902-9279
GREATER NEW YORK SAVINGS BANK
FHA MORTGAGE DEPARTMENT
211 STATION ROAD
MINEOLA, NY 11501
Phone: (516) 663-6857
GREATWOOD MORTGAGE ACCESS CO L
FHA MORTGAGE DEPARTMENT
5104 WEST GENESEE STREET
CAMILLUS, NY 13031
Phone: (315) 487-6884
GREEN POINT SAVINGS BANK
807 MANHATTAN AVE
BROOKLYN, NY 11222
Phone: (718) 670-7500
GRIFFIN MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
400 GARDEN CITY PLAZA STE 204
GARDEN CITY, NY 11530
Phone: (516) 877-7565
GUARANTEED HOME MTG CO INC
FHA MORTGAGE DEPARTMENT
855 AVENUE OF AMERICAS STE 425
NEW YORK, NY 10001
Phone: (212) 268-5777
GUARDHILL FINANCIAL CORP
FHA MORTGAGE DEPARTMENT
450 PARK AVENUE SUITE 2703
NEW YORK, NY 10022
Phone: (212) 688-9500
330 total views, 1 today
Mortage Loan Lender Oklahoma-6
HOME SAVINGS AND LOAN ASSN | |
POB 518/5TH & JOHNSTONE BARTLESVILLE, OK 74005 Phone: (918) 336-2783 |
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HOME SAVINGS BANK FA | |
1 SW 11TH STREET LAWTON, OK 73501 Phone: (405) 355-0253 |
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HOMESTEAD MORTGAGE SERVICES IN | |
FHA MORTGAGE DEPARTMENT 236 S MUSKAGEE TAHLEQUAH, OK 74464 Phone: (918) 456-5599 |
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INTEGRITY MORTGAGE INC | |
FHA MORTGAGE DEPARTMENT 2932 NW 122ND SUITE C OKLAHOMA CITY, OK 73120 Phone: (405) 751-4663 |
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INTERBANK NA | |
FHA MORTGAGE DEPARTMENT 807 GARY BLVD CLINTON, OK 73601 Phone: (580) 323-5500 |
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INVESTORS FEDERAL BANK | |
2000 SOUTH COUNTRY CLUB ROAD EL RENO, OK 73036 Phone: (405) 262-6240 |
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KLEIN-WELL MORTGAGE INC | |
FHA MORTGAGE DEPARTMENT 2602 WEST GORE BLVD LAWTON, OK 73505 Phone: (405) 250-0070 |
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LAKESIDE STATE BANK | |
SOUTH HIGHWAY 169 OOLOGAH, OK 74053 Phone: (918) 443-2474 |
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LANDMARK BANK COMPANY NA | |
FHA MORTGAGE DEPARTMENT 900 WEST MAIN STREET DURANT, OK 74701 Phone: (405) 924-9090 |
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LEADER MORTGAGE CORPORATION | |
FHA MORTGAGE DEPARTMENT 555 WEST OKMULGEE MUSKOGEE, OK 74401 Phone: (918) 682-4888 |
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LEGACY BANK | |
FHA MORTGAGE DEPARTMENT 2024 N HIGHWAY 81 DUNCAN, OK 73533 Phone: (405) 252-6400 |
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LIBERTY BANK OF OWASSO | |
11633 EAST 86TH STREET NORTH OWASSO, OK 74055 Phone: (918) 272-9581 |
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LIBERTY FEDERAL SAVINGS BANK | |
401 WEST BROADWAY ENID, OK 73701 Phone: (580) 234-5313 |
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LIBERTY MORTGAGE COMPANY | |
FHA MORTGAGE DEPARTMENT 100 N BROADWAY 12 FL LBTY TWR OKLAHOMA CITY, OK 73102 Phone: (405) 231-6233 |
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LIGHTHOUSE MORTGAGE COMPANY | |
FHA MORTGAGE DEPARTMENT 2250 EAST 49TH STREET – STE 17 TULSA, OK 74105 Phone: (918) 747-5800 |
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LINCOLN NATIONAL BANK | |
FHA MORTGAGE DEPARTMENT 1111 N LINCOLN BLVD OKLAHOMA CITY, OK 73104 Phone: (405) 235-1111 |
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LITTLE DIXIE COMMUNITY ACTION | |
FHA MORTGAGE DEPARTMENT 500 EAST ROSEWOOD HUGO, OK 74743 Phone: (580) 326-3351 |
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LOCAL AMERICA BANK TULSA FSB | |
FHA MORTGAGE DEPARTMENT 5801 EAST 41ST STREET TULSA, OK 74135 Phone: (918) 622-0000 |
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LOCAL FEDERAL BANK FSB | |
RETAIL LOAN CENTER OOR 3601 63RD STREET NW 2ND FLOOR OKLAHOMA CITY, OK 73116 Phone: (405) 841-2100 |
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MCCLAIN COUNTY NATIONAL BANK | |
131 WEST MAIN PURCELL, OK 73080 Phone: (405) 527-6503 |
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331 total views, 2 today
Mortage Loan Lender – Vermont-1
BELLOWS FALLS TRUST COMPANY | |
DBA MORTGAGE SRV CR BLACK MOUNTAIN ROAD BRATTLEBORO, VT 05304 Phone: (802) 254-4484 |
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CHITTENDEN TRUST COMPANY | |
TWO BURLINGTON SQUARE BURLINGTON, VT 05401 Phone: (802) 658-4000 |
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COMMUNITY NATIONAL BANK | |
FHA MORTGAGE DEPARTMENT DERBY-NEWPORT ROAD DERBY, VT 05829 Phone: (802) 334-7915 |
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FRANKLIN-LAMOILLE BANK | |
SENIOR VP – COMMERCIAL BANKING 8 NORTH MAIN ST ST ALBANS, VT 05478 Phone: (802) 527-5000 |
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HOMEBOUND MORTGAGE INC | |
PRESIDENT 19 ROOSEVELT HIGHWAY SUITE 110 COLCHESTER, VT 05446 Phone: (802) 846-2828 |
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KITTREDGE MORTGAGE CORPORATION | |
FHA MORTGAGE DEPARTMENT 123 BONNET STREET MANCHESTER, VT 05254 Phone: (802) 362-4874 |
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NATIONAL LIFE INSURANCE CO | |
1 NATIONAL LIFE DRIVE MONTPELIER, VT 05604 Phone: (802) 229-3572 |
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NORTHEAST HOME LOAN LLC | |
FHA MORTGAGE DEPARTMENT 80 FLAT STREET SUITE 107 BRATTLEBORO, VT 05301 Phone: (802) 257-7815 |
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NORTHFIELD SAVINGS BANK | |
P O BOX 347 NORTHFIELD, VT 05663 Phone: (802) 485-5871 |
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SUMMIT FINANCIAL CENTER INC | |
FHA MORTGAGE DEPARTMENT 112 LAKE STREET BURLINGTON, VT 05401 Phone: (802) 863-0403 |
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VERMONT FEDERAL BANK | |
MORTGAGE OPERATIONS POB 700 WILLISTON, VT 05495-0700 Phone: (802) 879-9029 |
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318 total views, 1 today
True cost of Payday Loans
Payday Loans |
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Payday loans are short-term loans (usually up to two weeks).
Payday loans can be much more costly than they appear at first glance.
The APR estimate for this transaction is 391 percent! An APR for a typical payday loan may vary and may be even higher than this example. Most payday lenders:
You should ask your bank or credit union for other available options. If you want to learn more about how to protect yourself, take the Money Matters, Keep It Safe, and Loan to Own modules. |
368 total views, 1 today