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    Welcome to Savings Home Mortgage LLC

    Whether you prefer to do business online or meet a live person, we will provide you a custom tailored loan to fit your exact needs.
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      • We suggest filling out this application only if your loan consultant has instructed you to do so. This application requires you to setup a user name and password for yourself.
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      • You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.
  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income.
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    If you would like to know the rate for which you qualify, Apply Online, and we will give you an accurate assessment of what you can afford.
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    If you would like to know the rate for which you qualify, Apply Online, and we will give you an accurate assessment of what you qualify for.

Big Banks

Thinking of using a big bank for your mortgage? Think again.

Most people in recent times have had a conversation or two regarding the economy, the housing market and what caused everything to get where it is today.  The mortgage industry is right at the heart of those conversations. So it’s only natural to think of playing it safe when it comes to purchasing a new home or refinancing your existing one. For some, playing it safe would be to use a big bank that you’ve heard of. Well you may want to reconsider your options. For one reason, remember Countrywide Mortgage, they were the largest mortgage lender at the time of the crash. If you do just a little digging, you will probably find they were as big of a part of the crisis as anybody. However, we aren’t saying to avoid all big banks because they are all like Countrywide, as we are sure they aren’t. We just want to mention that just because you have heard of them, don’t assume you are in good hands.

The biggest reasons you might want to avoid the big banks are to save some money and to get better service. Now you may be asking yourself, how can that be? Well, when you contact the big bank to get a rate quote, you are most likely talking to loan consultant who is extremely busy. Usually, they give their attention to the easiest loans and forget about the rest. In many cases, loan consultants at the big banks are less qualified, because they are more of an order taker than a qualified loan consultant. A loan consultant at a smaller firm is more likely to give you their full attention. When it comes to rates, a loan consultant at a big bank offers the rates that are available from the bank they work at. Whereas a smaller firm uses many lenders that specialize in different loan types. For example: if you are a customer with perfect credit, the smaller firm will have several lenders who specialize in this. They will find which one has the best terms for that day that matches your profile. This is one example, the same can be said for other scenarios.

So when it comes to securing your next mortgage, don’t assume the big bank will be the best for you. In most cases it’s not.