Mortgage Consulting

Mortgage Consulting Service
(Formerly Mortgage Exam)

TOTALLY independent mortgage advice

This website and DOMAIN are
FOR SALE.
Contact at customerservice@jaaminc.com
Or go to:
https://auctions.godaddy.com/trpItemListing.aspx?ci=44661&miid=62625064

What are you thinking?
I have seen more Settlement statements (HUD1) with points and fees added on for no reason except to allow the loan officer to make a months pay in two loans!

People…. YOU ARE
PAYING TOO MUCH!

Click here for Example

See the example above and then send me YOUR Settlement statement BEFORE you close! Click here for my
Hud 1 or Good Faith Estimate review
$10.99...the cost of a good lunch!

“All the other companies I spoke to tried to sell me a new loan. Mortgage Consulting Service did not try to put me into another convoluted loan but gave me advice only. Mortgage Consulting Service translated the complicated loan documents and helped me find the loan that was the best fit for me AND save me money on closing costs.”
-J. Hanson, Ventura, California

Is saving THOUSANDS worth investing $5.99 for a E-Book that tells the blunt truth about mortgages and closing costs? If you want to be armed with all the information you need to be a SMART BORROWER, then click below and order our Mortgage Guide E-BOOK...and it WILL save you thoussands!
Check out the Mortgage Guide E-BOOK click here

The new mortgage rip-off…Modification schemes!

If you are NOT negotiating with your current lender, be aware that over 95% of the independent Loan Modification companies are FRAUDS! BEFORE you send in money, BEFORE you fill out the application with anyone, you need to have a ONE ON ONE consultation.

Lenders have screwed up the guidelines so tight that only the gifted few are getting a mortgage or refinance. In spite of what they saying, lenders are NOT helping very many people get out of this mess.

Are you in mortgage trouble?

Are you afraid of talking to your lender?

Have you tried talking to them and gotten nowhere?

Are you upside down on your house value vs. mortgage?

DO YOU NEED SOMEONE TO TALK TO?

Someone who will NOT try to SELL you ANYTHING!
Someone who has been in the mortgage business for years and knows the BS!
Someone who has been where you are and knows how to give you a plan to get out.

LOOK you got yourself into this mess.

Blaming the Loan officer or mortgage company is not going to help you! Spend $25 now or waste thousands later…Mortgage Consulting Service offers ONE on ONE consulting for a set amount of $25. This includes up to 30 minutes of telephone discussion and advice. Also included: our e-book, Brutal Mortgage Facts.

We can talk about ANYTHING!

*Your concerns about being behind in your payments…
*About your current home value…
*How can you plan for a “best result” in case of foreclosure?
*How to force your lender to acknowledge and deal with you.
*What will happen to that adjustable rate loan?

Need an experienced and unbiased ear? Times are tough…if you need to talk and get a clear idea of your options… Lets have a chat!

For a consultation, please pay through PayPal above. When we receive the notice of your payment, we will send you an introduction email that includes some simple questions to answer so we have a background before we call. We will ask the best time(s) to call and let you know when you can expect our call. You are NOT ALONE...
lets talk, honestly and confidential.
EVERYTHING IS TOTALLY PRIVATE BETWEEN US!

Why is it important to have that second opinion?

MORTGAGE BROKERS AND BANKERS are paid by commission. This is often seen as origination fees, yield spread premiums, and service release premiums. While they are entitled to make a reasonable profit, many are seeking to make excessive profits at your expense. We can spot excessive fees and the dreaded junk fees!

IS THE INTEREST RATE REASONABLE? Everyone has a unique situation in their credit, income and circumstances. Let us examine your situation and give you another opinion. There maybe other options to consider. You can then take this to your current banker, broker or shop around to others.

ARE YOU IN THE RIGHT TYPE OF PROGRAM? There are dozens of different types of programs from VA, FHA, conventional, sub-prime and more. Regardless of your credit or income source, you need to have a second opinion on the entire realm of options to see if what you are considering is as good as you have been advised.

WE CAN HELP EXPLAIN ALL THE FEES AND ITEMS YOU SEE ON YOUR FORMS. No hidden agendas, no profit motives.

WE ARE NOT HERE TO DISCREDIT YOUR BROKER OR BANKER. We have been brokers, bankers, underwriters, and customers. We will tell you if you are getting a fair honest deal or what we have concerns about. You decide how to proceed after that.
Do you really want to ask advice from a loan officer or banker that is trying to sell something ?
Your real estate agent has just enough knowledge of mortgages to be dangerous. Ask any broker or banker!
Your accountant may be great at taxes and bookkeeping but he is no expert on the intricacies of mortgages

Please check out our entire website.
   Mortgage Types...reviews the different types on the market
   About Credit...what is a credit score, how to improve
   Mortgage Dangers...what to consider and watch out for
   Sub-Prime options...What is there available to get you out or your ARM?
   AVOIDING FORECLOSURE...what to do BEFORE it gets that far!

   About Our Mortgage Consultation Services <click here !

We have worked for, consulted for and closed loans for all these lenders and more...

How to choose a good mortgage
broker or banker...

Ask what memberships lender holds. Are they members of the Mortgage Lenders Assn. &/or the Assn. of Mortgage Brokers, Realtor Associations, Chamber of Commerce? Any of these memberships will add legitimacy to the lender. Don't bother with the Better Business Bureau as it is a toothless useless organization that many shady businesses hide behind.
Will lender allow for the rate to be locked and what is the length of time it can be locked for?
Will lender provide you with a WRITTEN lock letter once you have locked the loan?
Will lender provide a Good Faith Estimate and Truth-In-lending Disclosure to you? (By law, these must be provided to you within three business days after loan application.)
What are the costs associated with the transaction?
Does the loan officer appear professional, honest, organized and knowledgable? Are you comfortable with them?
Does lender have options to help you with down payment and/or closing costs?
What are the rates? Be sure you are comparing apples to apples. Rates change daily, and sometimes more than once a day.
Have you received a complete list of items you need to bring to loan application?
Ask lender what their methods of communication are to you during the process of the loan. Know how much communication you would like to have and let the loan officer know.
Will lender give you copies of everything you signed at loan application?