Get Mortgage Rates as Low as 2.750% (2.745% APR) with Our 5-Year ARM.

• Our 5-Year adjustable-rate mortgage rates give you the lowest possible monthly payment for 5 years, saving you thousands of dollars over a traditional fixed rate mortgage.
• Rates for a 5-year ARM are currently as low as 2.750% (2.742% APR).
• Take advantage of historically-low rates and refinance up to 95% of your home’s value with a 5-Year ARM.
• Need cash to pay down other debt? Then use the 5-Year ARM’s cash out option to get your personal finances in order. You can refinance up to 80% of your home’s value and use the cash to pay off higher-interest debts.

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Example: $200,000 loan amount, paying 1.0 points, with 20% equity on today’s rate

Over 5 years, a 5-year ARM at 2.750% could save you:

$11,820
30-year fixed
4.50% (4.652 APR)
= $1,013 per month
5-year ARM
2.750% (2.742 APR)
=$816.49 per month
Future Adjustments

Talk with a Home Loan Expert Now at (866) 594-5684 or fill out the short application to get started!

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Why Should You Choose Kwik Mortgage?

When it comes to your finances, we know the mortgage company you choose is important. We want you to know that we keep the same importance in our minds when serving your needs.

Our clients are our top priority. We strive to bring you the best service in the industry, and promise to make this your best mortgage experience ever.

When you work with us, you’re dealing with an experienced, reputable company. For over 10 years we’ve been helping families just like yours refinance or purchase their homes. Our technology and people allows us to process your loan in half the time of most other lenders. And our dedication to customer service ensures your experience will be smooth and efficient.

Our assumptions.

• 30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed-Rate Loan at 4.50% and 80% loan-to-value (LTV) is $1013.37 with 1 point due at closing. The Annual Percentage Rate (APR) is 4.682%. Payment doesn’t include taxes and insurance. Some state and county maximum loan amount restrictions may apply.
• Adjustable-Rate Mortgage: The payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 2.750% and 80% loan-to-value (LTV) is $816.49 with 1 point due at closing. After 5 years, the principal and interest could be $862.42. Payment does not include taxes and insurance. The Annual Percentage Rate (APR) is 2.742%. Rate is variable.

ARM’s Are Back! Get Mortgage Rates as Low as 2.7500% (2.742% APR) with Our 5-Year Adjustable-Rate Mortgage.

Very low rates. Very low payment. For 5 years. Are you like many Americans who plan on staying in their home or mortgage for less than five years? Then make the financially savvy choice to maximize your monthly income. Our 5-Year ARM rates give you the lowest possible monthly payment for 5 years, saving you thousands of dollars over a traditional fixed rate mortgage.

• Rates for a 5-year ARM are currently as low as 2.750% (2.742% APR).
• Interest rates are fixed for a period of five years. After the fixed rate period, your interest rate can adjust up or down depending on market conditions.
• Rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. This means if your initial interest rate is 2.750%, your rate will never be higher than 7.750%, and will never rise more than 2% per year.

Looking to Refinance?

• Take advantage of historically low rates and refinance up to 95% of your home’s value with a low rate 5-Year ARM.
• Need cash to pay down other debt? The use the 5-Year ARM’s cash out option to get your personal finances in order. You can refinance up to 80% of your home’s value and use the cash to pay off higher interest debts.

Wondering if an ARM is right for you?

• Learn about your options. If your loan is under $417,000, check out the traditional 30-year fixed mortgage or the government-insured FHA Streamline Refinance. We’ll help you find the right loan for your situation.

How the Adjustable-Rate Mortgage Works

• An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
• Your interest rate is fixed for the first 3, 5, or 7 years of the loan repayment period, depending on the type of ARM you have.
• After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets.
• Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if the initial interest rate is 2.75%, your rate will never be higher than 7.750%, and never rise more than 2% per year.
• Actual mortgage payment will vary based on your situation and the current interest rate when you apply.

No Prepayment Penalties

• Kwik Mortgage allows you to refinance your mortgage at any time with absolutely no pre-payment penalty. Who is the perfect candidate for the 30 year Fixed product?
• ARMs are perfect for anyone who wants the lowest possible interest rate and monthly mortgage payment over a set amount of time.
• ARMs are best for homeowners who plan to move or refinance within the next few years.
• Call us at (866) 594-5684 to find out how to qualify today.

REFINANCE

We’re making it Easier for You to Refinance Your Home Loan!

Refinancing your home loan? We’ve got you covered! Our technology even allows us to close your loan in half the time of most other lenders!

Act now to take advantage of record low mortgage rates! President Obama's Loan Modification plan makes refinancing easier than ever!

What can we help you with?

• Lower Your Payment
• Consolidate Your Debt
• Get Cash from Your Home
• Keep Your Payment from Rising
• Get Cash from Your Investment Property

MARKET NEWS ALERT

With fixed rates at historic lows and new loan programs from the government, the time to refinance is now!

• Call now to get today's mortgage rates.
• Flexible qualification + low fixed rate = FHA Loan
• In an FHA loan now? You could refinance with no appraisal on FHA Streamline.
• Jumbo loans now with lower mortgage rates - some of the industry's lowest
• Want the traditional fixed mortgage with lower interest rates? Check out our 15-year fixed today!

REFINANCE MADE EASY!

• FHA Mortgages
  FHA loan options are popular because they are often easier to qualify for, costs less than a conventional mortgage, and don’t require a large down payment at closing time. Learn more about the many advantages of FHA loans.

The Federal Housing Administration (FHA) doesn’t make or guarantee loans, but it’s been insuring home loans since 1934. The insurance on FHA loans removes or minimizes the default risk lenders face when borrowers put down less than 20% of the purchase price. FHA-approved lenders are authorized to process loan applications, underwrite, and close FHA loans.

Why Is an FHA Loan a Good Option for Single or First-Time Homebuyers?

First-time and single homebuyers should explore FHA loan options for several reasons. First, it will be easier to qualify for an FHA home mortgage because your loan will be insured by the government, thereby making your application more attractive to lenders.

Second, an FHA loan often costs less than a conventional mortgage and is more forgiving of issues with credit and payments.

Third, FHA home loans don’t require a large down payment at closing time, which is a huge plus for first-time homebuyers or an unmarried person seeking to buy a home on a single income. Since January 1, 2009, FHA borrowers can finance 96.5% of the purchase price and put down only a low 3.5% down payment!

Yet another advantage to FHA loans for single or first-time buyers is that FHA mortgage terms may allow you to wrap closing costs into your mortgage. Because typical closing costs for FHA home loans are around 2% or 3% of the total mortgage, this option can allow you to get a loan that would otherwise be cost prohibitive if you don’t have stacks of extra cash at your disposal.

Are there Other Advantages to FHA Mortgages?

There are several advantages to FHA mortgages, particularly if you’re a lower- to middle-income buyer or you have experienced financial difficulties in the past. Your allowable debt-to-income ratio is higher on an FHA loan than the debt-to-income ratio requirements on conventional loans, meaning that if your debt is relatively high compared to your income you may still qualify for an FHA loan.

Even if your credit is less than perfect, you may qualify for an FHA loan because your credit scores don’t need to be as high as they would for a conventional loan. If you declared bankruptcy, you may be able to get an FHA loan two to three years from the date of your bankruptcy discharge, as long as you’ve maintained good credit since your debts were discharged. Furthermore, if you foreclosed on a former home and have kept your credit in great shape since the foreclosure, you can apply for an FHA loan two to three years from the final date of your foreclosure.

Another appealing feature of FHA loans is that their mortgage rates and terms are competitive with conventional mortgages. Interest rates on FHA loans generally fall within .125 % of rates on conventional loans. Also, with an FHA loan, your mortgage insurance is funded into the loan, meaning a premium of 1.5% is added to the loan balance instead of being paid out-of-pocket.

Why Would I Choose to Refinance with an FHA Home Mortgage?

FHA refinance loans can help people get out of problematic debt situations caused by sub-prime mortgages with interest rates that have spiraled out of control. If you’re currently facing default or foreclosure on a conventional loan, FHA home mortgage refinancing may be the best way to keep your home and prevent damage to your credit rating.

Even if you are not having trouble making payments on your current home loan, you may still wish to consider refinancing with an FHA loan, particularly if you have an adjustable rate mortgage that is set to adjust soon. It’s easier to qualify for an FHA mortgage than a conventional loan, and you still get the benefits of a fixed interest rate and predictable monthly mortgage payments.

How Could FHA Cash-Out Refinancing Options Help Me?

If you know you’ll soon need cash for college tuition or major home improvements, then an FHA cash-out refinancing option may be just what you need. You may be able to get a lower interest rate than a traditional home equity financing. FHA refinancing loan offers amounts up to 85% of the appraised value.

Are There any Special Requirements or Limits on FHA Mortgages?

FHA mortgage loans cannot take up more than 29% of your monthly income, and your loan officer will ask for your income tax returns as verification of your income to determine if you qualify. If your job status has changed since your last tax filing, you may be able to furnish proof of income through your new employer.

Because FHA home loans also have requirements for debt-to-income ratios, maximum loan amounts, and other details, it’s important to ask your lender for help when deciding which mortgage is right for you.

Another consideration is the limit on the amount of money you can borrow with an FHA. As of January 1, 2009, the maximum mortgage limit in high-cost areas is 115% of local median prices, not to exceed $625,500. Although the maximum conforming loan limit is $417,000 for single-family residences nationwide, your area may have a lower mortgage limit. Talk to a home loan expert to find out more.

• Adjustable Rate Mortgages
  Because ARMs usually offer an initial lower monthly payment than fixed-rate mortgages, borrowers might choose an ARM if they don’t plan to keep their property for a long time and they need to save money in the short term. Learn more about why an ARM might be a good option for you.

An adjustable rate mortgage (ARM), is a loan with an interest rate linked to a specific economic index. As this index changes, the interest rate on your loan will change as well, and your monthly payments will be periodically adjusted up or down accordingly.

Because ARMs are usually less expensive than fixed-rate mortgages, many borrowers choose ARMs when purchasing or refinancing. Borrowers might also choose an ARM if their property interest rates show signs of remaining low, if they don’t plan to keep their property for a long time and they need to save money in the short term, or if they intend to refinance to a fixed-rate mortgage before their interest rate adjusts.

What Is the Index, Margin, and Adjustment Period on an ARM?

Lenders use a specific index to measure interest rate changes on each ARM. While 1-year, 3-year and 5-year Treasury Notes are the most commonly used indexes, there are many others.

The margin is the interest rate that represents the lender’s cost of doing business plus the profit they will make on the loan. The margin is added to the index rate to determine your total interest rate; it usually stays the same during the life of your home loan.

The period between rate changes is called the adjustment period. For example, a loan with an adjustment period of 3 years is called a 3-year ARM, and the interest rate and payment cannot change until three years after the loan was originated.

Are There Caps on the Interest Rate or Monthly Payments on an ARM?

There are two types of interest rate caps that can limit the amount of interest you will be required to pay on an ARM. Overall caps, which have been required by law since 1987, limit how much the interest rate can increase over the life of the loan. Periodic caps limit the amount your interest rate can increase from one adjustment period to the next. Not all ARMs have periodic rate caps because they are not legally required.

A payment cap limits how much your monthly payment can increase at each adjustment. ARMs with payment caps often do not have periodic rate caps.

What are Hybrid ARMS?

A hybrid ARM has an interest rate that is fixed for an initial period of time, and then floats thereafter. The term “hybrid” refers to the ARM’s blend of fixed rate and adjustable rate characteristics. Hybrid ARMs are referred to by their initial fixed rate and adjustable rate periods. For example, a 3/1 ARM has a 3 year fixed interest rate period and subsequent 1 year interest rate adjustment periods. The date that a hybrid ARM shifts from a fixed rate payment schedule to an adjusting payment schedule is known as the reset date. After the reset date, a hybrid ARM floats at a margin over a specified index, just like any ordinary ARM.

Similar to other ARMs, hybrid ARMs transfer some interest rate risk from the lender to the borrower, allowing lenders to offer them at lower rates than fixed rate mortgages. Thus, the popularity of hybrid ARMs has significantly increased in recent years.

What are the Advantages of an Adjustable Rate Mortgage?

Adjustable rate mortgages are usually less expensive than fixed rate mortgages because the mortgage rates on long-term, fixed-rate loans tends to be higher than on short-term loans. Studies have shown that the majority of borrowers with adjustable rate mortgages save money in the long run.

Because the initial interest rate for an ARM is lower than that of a fixed rate mortgage, where the interest rate remains the same during the life of the loan, a lower rate means lower payments, which might help you qualify for a larger loan.

When deciding whether an adjustable rate mortgage is right for you, there are two important questions you should ask yourself. First, how long do you plan on owning the house? The possibility of a rate increase is less important if you plan to sell the home within a few years. Second, do you expect your income to increase? If so, the extra funds might cover the higher payments that could result from interest rate increases.

What are the Disadvantages of an Adjustable Rate Mortgage?

Adjustable rate mortgages may be less expensive for borrowers, but at the price of bearing higher risk. Unlike the security of fixed-rate mortgages, in which the interest rate and the payments stay the same, the interest rate and monthly payments may increase with an ARM over time. So before choosing an ARM, take into account the maximum amount your monthly payment could increase. Remember that the risk could outweigh the savings down the road.

• 5 Things You Need to Refinance
  Use the mortgage refinancing checklist written by people who handle home loans every day. Don’t miss a beat, and learn what to expect when you refinance your home loan at Kwik Mortgage.

Completing a loan application is the first thing you’ll do when refinancing your mortgage. You may also need to provide a variety of documentation to help your mortgage lender approve you for a home loan. The documentation will vary depending on the lender you choose, your loan program, and your personal financial situation. The following is a list of documents generally required during the refinance application process. You may or may not need everything on our refinance checklist, but for a fast and easy loan process, have these items available when you’re ready to complete your mortgage application.

• Proof of income: Typically, you’ll need to show original pay stubs for the last 30 days.
• Copy of homeowners insurance: Verifies that you have current and sufficient coverage on your home.
• Copies of your W-2 forms: Required for each loan applicant and helps your lender verify past employment and income history.
• Copies of asset information: Including accounts holding money for closing costs, statements for savings, checking and 401K accounts and investment records for mutual funds or stocks.
• Copy of title insurance: Helps your mortgage lender verify the taxes, names on the title and legal description of the property.

Once you’ve begun the refinance process, your Home loan consultant will tell you which documents you’ll need to get approved. They may vary depending on where you live and which loan program you’ve selected. But keep in mind – the more information you have ready before you apply, the less time it will take to get approved and close your loan.

If you still have questions, please call us at 866-594-5684 to talk to a refinance expert today. We can help you determine which refinancing option is best for your situation.

• Pay Off Debt with Refinancing and 2nd Mortgages

Find out how a cash-out refinance may be a better (and cheaper) way to access your home equity and use it to your financial advantage

It’s the age old dilemma. Cash-out refinance or home equity loan – which one should you use to pay off your debt?

First of all, if you need cash you probably want it pretty fast. Technology has made that extremely possible in this day and age of instant financial transactions and online purchasing.

Second, you have equity in your home because you bought wisely, spent a little bit to update your “castle” and now it’s worth more than you owe. That was smart of you. Good job!

Third, you want to borrow at a low rate and you want the possibility of tax-deductible interest. Who doesn’t, right?

So, you investigate and compare a cash-out refinance against an old-fashioned home equity loan or line of credit. Without getting into too many specifics here, more often than not, a cash-out refinance will cost less and make more financial sense (keep in mind, lots of stuff influences final mortgage numbers so you’ll need to have a mortgage professional review your situation to make absolutely sure). Here’s why.

Why choose a Cash-Out Refinance?

A home equity loan or home equity line of credit is usually second mortgages. In other words, they are mortgages that you take out on top of the first, or main, mortgage that you have on your home. This makes them second liens against your property and therefore they are more risky and expensive for both you and your mortgage company. A cash-out refinance is not a second loan; it is a new first mortgage.

The purpose is to completely pay off the original mortgage, and borrow a set amount of money against the remaining equity in your home. It’s less risky and cheaper because it’s a first mortgage, not a second. With few exceptions, the rates on cash-out refinances are almost always lower than home equity loans or home equity lines of credit. There may be more closings costs with a cash-out refinance, but usually these are made up in the long run with lower monthly interest payments.

Here’s a simple example of how it works:

How a Cash-Out Refinance Works

Let’s say, for simplicities sake, you have a $100,000 mortgage balance on a home worth $150,000. Your daughter wants to go to college to pursue her education dreams and you decide to borrow $25,000 to help pay expenses. With a cash-out refinance, you would simply get a cash-out refinance mortgage on your home for $125,000 (well under the appraised price of $150,000) and $25,000 more than you currently owe. With this scenario, $100,000 would go to your original mortgage holder to completely pay off your mortgage. The remaining $25,000 would go to you to use as you please (in this case helping your daughter with her college expenses).

Going forward, you would only have one payment on your new $125,000 refinanced mortgage, with interest tax-deductible (in most cases). Make sure you check with a professional tax advisor before you deduct anything when you do your taxes. We hate saying “we told you so” and we may just do that if you deduct from your income on your taxes without knowing if you should or can.

In the end, it’s really up to you whether you go with a cash-out refinance or a home equity loan or home equity line of credit. All three have advantages and disadvantages, some just more than others. In the current mortgage and real estate market, in most cases, a cash-out refinance most likely is in your best financial interest, but check with your Home Loan Consultant and go over all your options before you make any decisions. That’s always your best bet!

• You’re Ready to Refinance and It’s Time for Your Appraisal

You’re ready to refinance. The paperwork is being processed, your credit has been checked and all is good. Now it’s time for the appraisal. Do you know what an appraisal is and what it’s for? If not, we’ve got answers to your questions here.

You have researched the options available to you and realized the benefits of moving forward with a refinance. The paperwork has been processed, the home loan has been conditionally approved and the next step is the appraisal.

There are several questions surrounding the appraisal process and what to expect. The appraisal is ultimately your safeguard against spending more on your home than it’s worth. It’s also a safeguard for your mortgage company to not lend out more on a property than it’s currently worth. Appraisers are always 3rd parties in the mortgage process (it’s illegal for the appraiser to work directly with or for the mortgage company) and they have only one purpose – to realistically judge a property for its actual worth at the time of the appraisal.

We’ll walk you through an entire appraisal in this six-part video series, which will certainly answer any questions you may have about mortgage refinance appraisal inspections.

If you’d rather continue reading than watch a video, below are the top things to understand about an appraisal. These should answer most of your questions regarding the appraisal process during a refinance, but in case you still have a question, please call us at (866) 594-5684 or email inquiry@kwikmtg.com and we’ll answer all your concerns.

1. How long will an appraisal inspection take?
   The physical appraisal inspection usually lasts anywhere from 5-30 minutes, depending on the size and complexity of the home. The appraiser will make note of the floor plan or any significant upgrades and features.
2. Measuring the House
• An appraiser has several different ways of obtaining measurements to the house.
• Physically measure the property
• Obtain measurements from a prior mortgage survey
• Obtain measurements from a previous appraisal
• Obtain measurements from county or city assessor’s records
• Square footage is generally determined from exterior measurements.
• Please keep in mind that proper county permits are required in order to include any square footage that had been added on to the home.
3. Finished Basements and Gross Living Area
• Basements, below grade or partially below grade area are typically not considered part of the square footage or room-count on an appraisal, regardless of window size, ceiling height or walk-out features.
• Adjustments to value may be made in favor of finished basements
4. Cost Improvements
   Improvement costs are not usually recovered in the market. For example, one may have spent $45K in remodeling their kitchen. The remodel may have included granite countertops, tumbled marble backsplash and glazed porcelain flooring. However, the additional value given by the appraisal will only be for the updated kitchen and will not take into account the separate materials and their cost. Also, improvements such as a new roof, new furnace, new windows, etc. are considered a part of typical wear and tear and do not typically bring additional value.
5. Differences in Bedroom Counts The market recognizes very little difference between a 3-bedroom and a 4-bedroom home. Typically there is not an adjustment for this and the difference in square footage is adjusted under the Gross Living Area. There is usually a market difference between 1-, 2- and 3-bedroom homes and comparable sales for 1- and 2-bedroom homes are typically difficult to find.
6. Comparable Sales Data
• Recently closed sales similar in location, size, style and features are used to help determine value during an appraisal. These sales must be closed and verified by a public data source at the time of the appraisal inspection. Comparable home sales should have taken place within the last 90 days; however that’s not always possible in slower markets. Additionally, the sale should have taken place within 1-mile of the home being appraised. Distance and time guidelines are usually exceeded for rural property locations. Comparable sales within your subdivision (if applicable) would be looked at first – however, not all homes sold in your neighborhood may be comparable. For instance, your home may be a ranch home with an unfinished basement and a two-car garage. The home next door to you may have just sold, but it is a 4-bedroom colonial with a fully finished basement and 300 more square feet of living space. These homes wouldn’t be considered comparables.
• Evaluations must be based on the closest comparable homes. Similarly, appraisers must consider the most recent sales in your area, regardless of the value.
7. Appraiser Qualifications
• To become an approved appraiser with Kwik Mortgage, all appraisers must submit a completed package to Kwik Mortgage vendor management for review. Each appraiser must provide their licenses, E&O insurance, fee schedule, coverage areas, three work samples, and a W-9 form. The first five orders are flagged for audit to determine if the appraisers are meeting our standards. All of these standards and requirements are put in effect for one simple reason – to make sure our appraisers provide excellent service and fair appraisals for our clients 100% of the time – no exceptions!
• Certified trainees are allowed to complete appraisal inspections in many states. The supervisory appraiser must sign the report which will place full responsibility of the appraisal report and its contents on the supervisory appraiser. The appraisal is still valid.
• The appraiser is NOT an employee of Kwik Mortgage. All appraisers who work with us are 3rd parties, licensed to perform appraisals in specific counties. The majority of the information in an appraisal comes from the MLS (Multi Listing System) which is available to licensed real estate professionals.
8. Appraisal Reassignment
   An appraisal cannot be reassigned to another mortgage company regardless of a consent form from the prior company. The exception to this guideline is an appraisal completed for the purpose of an FHA loan within the specified time frame allowable by FHA.
9. Appreciating/Depreciating Values
   In general, homes across the county are experiencing a decrease in value. This could lead to varying reported values in a short period of time. For example, a home appraised 6 months ago at $200, 000 could now be valued at $150,000 depending on how homes sold in the recent months following the original appraisal.

Understanding the appraisal process is a very important part of getting the right home refinance mortgage. Knowing how appraisals work will allow you to work closer with your mortgage banker to find the best possible mortgage for your situation. If you have any questions about appraisals or buying a home in general, please call us at (866) 594-5684. If we can make your experience better or easier to understand, we are doing our jobs!

PURCHASE

We’re making it Easier for You to Purchase a Home!

Buying a home? You’ve come to the right place! We’ll help you get a home loan that’s perfect for your needs!

Not sure where to start? See how we’ll help you move into your new house!

Or let us help you with your any of your home buying needs:

• You're a first-time home buyer
• You're moving and will be buying a home
• You're buying a vacation home
• You're a real estate investor

 

You're moving and will be buying a home

A Pre-Approval Gives You More Bargaining Leverage

• When bidding on a home, a Kwik Mortgage Pre-Approval gives you more leverage than a buyer without one. The sellers and their agents will know your offer is good because you’re already on your way to approval.
• You’ll have peace of mind knowing what you can truly afford. Plus, you won’t waste time looking at homes outside your price range.
• You can close in just weeks – another bargaining chip!

Need Help Finding a Real Estate Agent?

• Our partner’s realty house can help you by matching you with a real estate agent in your area at no cost to you!
• They have a network of experienced, reliable agents who will put your needs first in all NY metro states.
• In-House Realty will work hand-in-hand with your Home Loan Expert at Kwik Mortgage to ensure hassle free home buying.
• If you need to sell your home first, Realtyhouse can help you find an experienced agent to sell your current home as well.

Get a Lower Rate – and Payment – with FHA Buy Down!

• Kwik Mortgage offers an exclusive feature to buyers using an FHA loan! Our FHA Buy Down will give you 1% off your mortgage rate for a full year!

Get your Home Buyer Tax Credit!

• Thanks to the American Recovery & Reinvestment Act, first-time home buyers could qualify for a tax break up to $8,000!
• Repeat buyers (if you’ve owned a home 5+ years) can get up to $6,500 back
• Use our Home Buyer Tax Credit Tool to find out if you qualify for the Home Buyer Tax Credit!

Most Popular Home Loans when Moving and Buying a Home

• FHA Loan

The loan with flexibility and low restrictions. Find out how the FHA Loan can help you with a lower down payment and many other benefits!

• VA Loan

Veterans and military personnel can get a mortgage with no money down and no PMI.

• 30-Year Fixed

Get a low mortgage rate that's fixed for 30 years.

• 15-Year Fixed

Save thousands by paying off your home early with a 15-year fixed!

• Jumbo Loans

Get a low payment on your big loan! A jumbo loan is any loan over $417,000.

Why Choose Kwik Mortgage?

• Save time. In most cases, your loan documents can be signed, sent and received online!
• Expert Advice. We find the right loan for you.
• Fast. We can close your loan in half the time of most other lenders.
• Convenient. We come to you to close your loan.

Getting an Appraisal When Buying a Home

You’ve heard about appraisals. You’ve maybe even had an appraisal on a property at some other time. But do you really know what an appraisal is? Do you understand appraisals? Fear not, your questions are answered here.

• Making an Offer on Your Next Home

  Buying a house? Get pre-approved and make the best offer on your new home.

• Investing in Real Estate to Boost Your ROI

  Learn how buying real estate can be an investment option. Rental income is one obvious benefit. Rising home values can give you solid appreciation and offer home equity options when you need them. See which loans will get you investing better at Kwik Mortgage.

• Today’s Best Home Loan Solutions

  Home loans come in many forms; traditional fixed, adjustable rate and alternative home loans give you lots of mortgage options. Sift through your choices at Kwik Mortgage Loans and get the right mortgage for you.

• Closing Costs and Fees Explained

  How much do you know about mortgage closing costs? Learn about average closing costs and what you pay when you pay closing costs; plan for home closing costs better with Kwik Mortgage.

• Top 10 Tips for Selling Your Home

  Learn how to sell your home faster with the top 10 home selling tips from Kwik Mortgage. Avoid common home selling mistakes and move your home off the housing market quickly.

• Purchasing a Vacation Home of Your Own

  Find a vacation home mortgage at Kwik Mortgage. Buying a vacation home? Before you buy a vacation home, find a vacation home mortgage loan at Kwik Mortgage