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Maine Mortgage Rates

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Custom Maine Mortgage Rates!

What’s your rate?

That’s a question I hear all the time, and the answer isn’t as simple as you may think.

Consider this, the lenders I deal with, offer Maine Mortgage rates based on the risk of the loan.  For example, a person with an 806 Credit score, putting 40% down is a much lower risk then a person with a 556 credit score, putting 0% down.

Does that make sense?

Every lender I deal with has a “Sweat spot”; The clients that Lender Q is looking to deal with are different than the clients Lender Y is looking to deal with.  So, it makes since, in order to answer the question, “What’s your rate?”, is absolutely specific to your unique situation.

If you are a Veteran, there is a VA loan that’s an option…

If you are a full document self employed or wage earner, with a lower credit score, an FHA loan is an option…

If you are self-employed, and you’ve claimed very little income over the last two years, there are Alt-A programs…

If you are not a wage earner, but have a large amount of assets, there are asset depletion programs for you…

Etc.,

Here’s the thing, each of these programs have very different Maine Mortgage rates, and down payment or LTV requirements.

I am a Mortgage Broker, not a Credit Union, or a local bank.  I have literally hundreds of programs, for VERY unique situations.  If you are looking for the best Maine Mortgage Rates for you, let me help!

Call me at (207) 615-7770, or reach out to me through text, email (tpenny@ecmg1.com), or a contact form on my website.

The Maine Home Loans Process

Here’s how our Maine home loans process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Maine Mortgage Rates, quick facts:

Credit Scores,  LTV, property types,  and income documentation types determine rates.

There are programs for lower credit scores, higher LTV’s and limited documentation borrowers.

Maine Mortgage Rates change daily.

Locking rates are the best way to guarantee them.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • Alt-A, Limited Doc Loans
  • Non-Prime Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Purchase and Refinance options available

Get Your FREE Custom Maine Mortgage Rates Quote!