HOME FINANCING WITH ARTEMIS MORTGAGE

Helping Customers Realize Their Dreams Everyday! 

In today’s market and economy, purchasing a home continues to be the single largest purchase most Americans will ever make. Add to that, that most people today are more mobile than ever before which leads to the statistic that most Americans will purchase a home more than three times over a 20 year period. Compared to 50 years ago, buying a home meant that you grew roots and stayed in one place. That’s no longer how the world works in the 21^st century.

With the trend of Americans being prone to move, relocate, upgrade lifestyles, etc… this has created the need for a better lending experience. It is no longer about going to the neighborhood bank and leveraging your savings account for the one-time home purchase. Today banks compete harder than ever for your business and there are many banks to choose from. Almost too many and this, in many instances, leads to confusion which can destroy the home purchasing experience.

With there being such a vast choice of lenders, who all want your business, and so many qualifying criteria for dozens of programs, you need a company today that will consult and advise you. A company that will take the time to sit with you and inquire deeply into what is most important about your lifestyle needs. It is no longer about qualifying for “a loan”. It is about becoming well-educated about Home Financing and understand what that loan will mean to you tomorrow, 5 years and beyond.

At Artemis Mortgage, we have evolved out of the business of “doing loans”. We do not use the old, worn-out tactics of advertising a low interest rate in order to make you call in and then informing you that you just “don’t qualify” for that rate – which is probably days, if not weeks, old and no longer a viable rate. Markets change daily which directly impact the lending rates.

TYPES OF HOME FINANCING

First let’s indentify the different types of borrower’s needs which ultimately determine the types of loan programs.

·  First-Time Homebuyer

·  2nd Home/Investment Property Owner

·  Real Estate Investor

·  New Construction

·  Condominiums/Townhomes

Each situation has differing variables that create varying criteria and their complimentary programs. That means that the coinciding rates will vary with each program as well. The Federal and State governments have realized this and have passed legislation (e.g. Fair Credit Reporting Act, Truth-in-Lending Act, RESPA, et al.) to help protect the average consumer. The industry is well regulated however it does not simplify the complexities for all of these programs. We will help to educate you to these acts so that you are as informed and educated to make the best decisions regarding your Home Financing needs.

The more lending opportunities that you experience will only serve to educate by default, however Artemis Mortgage aims to help create the savvy home buyer even if you are a first-time borrower.

To begin your education, click on the link below for the 10 most Frequently Asked Questions: 10 Common FAQs

Learn more about how Artemis Mortgage continues to offer value and service after your loan is "closed" by visting the Mortgage Planning page.