ABOUT

Since 1998, our company EquiFund Mortgage, a division of Consumer Credit Services, LLC has been originanting and funding mortgage home loans while maintaining an A+ Rating with the Better Business Bureau.

Our goal is simple. To provide you, the consumer, with the most simplified empowering online mortgage home loan platform that will enable you to compare multiple lenders and only have to work with our company from start to finish.

Equifund Mortgage Home Loans online loan engine, will give you the advantage over most all other mortgage lenders because you now will be able to see multiple lenders immediate loan quotes, while not exposing your personal information, which in most cases will be used to non stop call you. We never sell your information, nor will we ever reach beyond a few phone calls for engagement. You, the consumer are in full control.

While we are constantly approached by national mortgage loan companies lenders and we carefully select the lenders based upon performance history, customer service ratings and interest rates and closing cost. All participating lenders are committed to providing us with lower than average interest rates for our clients. For additional information regarding the lenders we use, please contact your loan originator.

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What Are Mortgage Points And How Do They Work?

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It's crucial to realize that all interest rates offered for a mortgage home loan are either credit-based which means that the lender will either pay you or pay for a portion even the entire closing costs at the rate you choose or a price you have to pay (discount points) to get a lower than average interest rate. The most important question here is what do you know about when you should take credit from a lender to cover closing costs or to purchase discount points to lower the interest rates? It's not that difficult to grasp.   It's determined by the time frame you anticipate to keep the mortgage.   Let's take a look at the situation below to help explain. Example 1 What happens when discount points or credit points from lenders influence interest rates, which impact the amount of monthly payments. For each discount point, it costs 1percent from the amount of loan.   By paying this point, you will reduce the interest rate to approximately .25 percent.   What...
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