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ZFG Mortgage – 918-459-6530 – Tulsa Mortgage Lenders

April 16, 2009

ZFG Mortgage Tulsa – 918-459-6530 – www.zfgmortgage.com

Welcome to ZFG Mortgage, home of Tulsa’s lowest rates. At ZFG Mortgage we offer Tulsans the best rates and the best terms because of our ability to fund your loan through some of America’s largest banks and lending institutions (including Bank of America, Countrywide, Wells Fargo, etc…). If you are looking for a mortgage loan, or a home refinance call ZFG today to experience the superiority of ZFG:

Fast Accurate Service – When you call, we will be there answer your calls with quick and informed loan officers standing by.
The Lowest Rates – If you are looking for the lowest rates in town, then you have come to the right place.
Low Closing Costs – No “Bate-and-Switch” techniques will be used by our staff. We will quote you an accurate estimate of your closing costs right from the beginning (once we have completely analyzed your unique financial situation).
Lending Options – When you work with ZFG, you will be working with skilled and liscensed loan officers who have your best interests at heart. Because we are here to stay, our team is 100% committed to making sure that you leave with the funds you need and a lending experience that will keep you coming back as your family and financial needs expand.

To help our incredible customers to better understand the lending industry we have put together the following list of lending terms and information:

Refinancing Defined: Refinancing deals with the buyer (you) applying for another loan in order to pay off a preexisting loan that does not have the favorable rates and terms that you want. If you find that your existing loan has an interest rate that is less than favorable, we would love to help you secure a rate that will be more advantageous to your overall cash-flow situation.

Comparison Refinance Rate Shopping (defined): At ZFG we help our customers shop for the best rates and terms. Essentially, our customers are not pushed towards one particular product or lender, because we look to help our customers find the best rates and terms.

When should you refinance? When looking into the possibility of refinancing your home mortgage it is very important that you first look at the amount of savings that you will realize (in terms of interest payments) vs. the closing costs associated with acquiring the new loan.

What are the benefits of refinancing your home? Generally speaking most Americans (unfortunately) live check to check because they are strapped with obligations that nearly exceed their ability to earn. Many Americans have 60-80% of their income spoken for (in obligations) before they ever even see their check. This can really cut down our your ability to start a new business, to afford a family vacation, and to fund your dreams. Thus, to free up extra cash, many Americans choose to refinance their existing loan to free up extra monthly cash flow that they would have been spending on interest payments to a large bank. If you need extra monthly cash and you have a mortgage rate that is unfavorable, we highly recommend that you would look into the idea of refinancing your existing loan.

While most Americans consider their home to be there largest assett, at ZFG we view your mortgage payment as your largest expense. Although owning a home is a need, it should not be a nearly unbearable burden. Call us today to see if we can help you put a little extra of your own cash back in your pocket each month.

Shortening the length of your loan by refinancing. As you begin to earn more money over time, your financial situation might change for the better. And as you earn more money, you might want to pay down your mortgage at a faster rate than you once wanted to when you first purchased your home. Thus, converting your 30 year fixed rate loan into a 15 year fixed rate loan might be a great option. Converting your 30 year loan into a 15 year loan will generally only increase your payments by 15%, yet you will cut your time needed to pay off your loan in half.

Exchanging an adjustable rate mortgage for a fixed mortgage rate & term. With rates at an all-time low, their has never been a better time to lock in a favorable fixed mortgage rate & term. Thus, if you have found that your adjustable rate has already adjusted and is continuing to climb, call ZFG now (or shortly after now). Securing a fixed rate mortgage will give you financial piece of mind, knowing that your monthly payments will not quickly climb to unsustainable and unpayable levels.

Access to Extra Cash – Cash-out refinancing. – The reality is, life happens. And sometimes when life happens it puts a large strain on all of us for some extra cash. And with our cash-out refinancing options, you can essentially use your house as a piggy bank from which you can pull out money to buy that new car, or to pay for that upcoming wedding (www.djconnectiontulsa.com, www.tulsabridalassociation.org). For more information on our cash-out refinancing options call ZFG today.

Away with PMI. As many people have now discovered, having Private Mortgage Insurance is not fun, and making those payments is even less fun. However those of us that were unable to put more than 20% down when we originally purchased our homes have been required to purchase Private Mortgage Insurance by our lenders. However, if your house has now appreciated to a point where you now have paid down 20% of the homes value, refinancing will allow you to refinance to a rate and term that will allow you to cancel those less than exciting PMI payments.

For many Americans our home is like a piggy bank from which we can pull funds as needed to pay for the unique challenges and opportunities that our lives throw at us and refinancing your home is a quick way to gain access to those funds stored up in our piggy bank quickly. For more information on refinancing your home, call ZFG Mortgage Tulsa today at 918-459-6530.

www.zfgmortgage.com

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ZFG Mortgage Tulsa – 918-459-6530 – www.zfgmortgage.com

ZFG Mortgage & Zeshu Financial Tulsa Has The Lowest Mortgage

If you would like to take a moment to view our current interest rates, you will quickly find that ZFG Mortgage Tulsa has the low interest rates that you been searching for.

The Lowest Closing Costs:

At ZFG our super-low closing costs have saved our customers thousands, and we never charge any undisclosed fees at the closing table.

Refinance Your ARM LOAN or YOUR HIGH FIXED RATE MORTGAGE TODAY:

ZFG Mortgage Tulsa has designed a stream-lined process that makes the process of lowering your current mortgage rate and your current mortgage payments easy (and painless). For more information on how you can reduce the remaining term on your current 30 year mortgage loan, or how you can reduce your total monthly payments simply call us today at 918-459-6530.

Quickly Get “Accurate” Faith Estimates:

When you call ZFG Mortgage Tulsa our team will quickly be able to get you a Good Faith Estimate of your Closing Costs so that you’ll quickly realize firsthand that we offer the lowest interest rates and that we will be able to offer you the lowest Closing Costs in Tulsa.

To help more incredible customers like you to better reach our the ZFG mortgage offices we have compiled the following list of tulsa mortgage related terms, articles and phrases.

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Welcome to ZFG Mortgages

FHA home loans are available

RATES ARE AT AN ALL-TIME LOW! What are you waiting for?

Take advantage of this “down market” now!

Home purchase mortgages! Refinance your mortgages!

Mortgage modifications — modify your existing mortgage!

Menu

1. Homepage for ZFG Mortgage, a Tulsa Mortgage Company.

2. Introduction to your Tulsa Home Loan Lender: Our Promises to You.

3. Meet Your Oklahoma Home Mortgage Lender.

4. 15-Year & 30-Year Calif. Mortgage Loans.

5. The Difference Between a Tulsa Mortgage Broker & an Institutional Bank.

6. Oklahoma Loan Closing, Points & Fees.

7. Oklahoma Mortgage Loan Modifications Statewide Home Loan Modification

8. Locking In Oklahoma Mortgage Rates.

9. Real Estate Purchase, Mortgage Refinancing & Hard Money Lending.

10. We Broker Mortgage Loans for Tulsa

11. Reputation & the Oklahoma Mortgage Lender.

12. Be Wary of Unscrupulous Oklahoma Home Lenders.

13. A Southern Oklahoma Loan Brokerage Horror Story.

14. Attentive Service From This Tulsa Mortgage Company.

15. Are We Your Kind of Tulsa Home Mortgage Company?

16. Real Estate & Mortgage Information Links

Online mortgage application!

Localities! Our service area includes:

1. We are Tulsa Mortgage Brokers, Call for Your Tulsa Home Loan.

3. For a Great Tulsa Mortgage Broker, Give Us a Call.

4. Let Us Be Your Tulsa Mortgage Broker.

Getting your first home is easy. Call us today about:

100% Financing

Low Closing costs

and other flexible programs

These are just a few benefits of refinancing and taking advantage of the record breaking low interest rates.

ZFG Mortgages also serves clients around Oklahoma, as well as many individual communities in our local area. Thank you for visiting ZFG Mortgages, a Tulsa mortgage broker company.

Save money?, Lower your payment?, Get cash out?, Lower your rate?,

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Here are some Financial related articles and videos:

* Providing Affordable Housing Solutions for Tulsa

o Home Owners

+ Help for Home Owners

+ Foreclosure Prevention Counseling

+ Purchasing a Home in a Target Area

+ FAQs for Home Owners

o Renters

+ Opportunities to Apply for Affordable Rental Units

+ Buy Your Manufactured Home Park

+ FAQs for Renters

+ Questions & Answers

Mission

ZFG Mortgages is dedicated to providing affordable home ownership opportunities to low- and moderate-income families in the Tulsa area by offering competitively-priced mortgages.

ZFG Mortgages offers a number of mortgage programs to assist you with the purchase of a home in Tulsa. Each program features a competitive interest rate, low down payment requirements and no prepayment penalties. Each of these features are designed to make your home purchase more affordable.

The Low Interest Rate Mortgage Program offers competitive interest rate mortgages to low- and moderate-income households who must be first-time home buyers except in target areas.

ZFG Mortgages

Whether you like great pizza, smooth jazz or historic baseball, Tulsa may just be the place for you. If you already live in Tulsa, chances are these are some of the amenities that you cherish. Whether you are looking to move to Tulsa or already reside in the area, chances are at some point you are going to be looking for a new house.

We Can Help

ZFG Mortgages was designed to help you get the mortgage you need in the Tulsa area. Chances are that houses are going to cost quite a bit in Tulsa, and chances are you can not afford to pay all that money upfront to buy a house. Even if you can afford to pay all that money up front it is still a better idea to take out a mortgage.

A mortgage allows you to pay off the cost of your house in monthly installments, making for a much more manageable house payment. Mortgages have long been used to fund houses and are hands down the most popular way to pay for a house today. Mortgages contain benefits for both the lender and the lendee. You get to pay off your house payment in a much more manageable manner, while the lender makes a profit off of your payments. Mortgages really are the perfect situation when it comes to financing your home.

Who We Are:

ZFG Mortgages is a mortgage marketing service designed to help you find the very best mortgage. When you sign up with us we will match you with a mortgage lender who will best fit your needs. We don’t actually fund your house, but find a lender who is willing to find your house.

Do you like what we see but don’t plan to move to Tulsa? We can help you find a mortgage no matter where you plan to live. We offer key advantages to assist your mortgage process. Sign up today and get on your way to getting a great mortgage.

Your Credit Rating:

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Welcome to ZFG Mortgages! Our specialty is providing home mortgage loans for the purchase or refinance of residential and commercial real estate in Oklahoma. We have a presence and facilitate loans in and around the Tulsa area. In addition to purchase loans, we also provide refinancing of both primary residences and investment properties, as well as home equity and cash out refinancing. We do conventional and jumbo loans in addition to the government loans which include FHA and VA lending. We are a mortgage broker with multiple avenues available to provide the best and most competitive solution for your specific needs.

Please give us a call today to let us know how we can best serve you. We look forward to working with you soon.

FIND THE PERFECT LOAN TO FIT YOUR NEEDS:

PURCHASING A HOME?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, browse our site to determine exactly what type of purchase loan is best for you.

NEED TO REFINANCE?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home’s equity, browse our site to determine exactly what type of refinance solution is best for you.

CONSOLIDATING DEBT?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, browse our site to determine exactly what type of debt consolidation program is best for you.

ZFG Mortgages – Your Online Oklahoma Loan Consultants! “Guaranteed Low Rates!”

Proudly serving the entire state of Oklahoma!

ZFG Mortgages operates as a brokerage. As a brokerage we have access to wholesale interest rates from hundreds of investors enabling us to shop for the best rates for you. Most mortgage bankers and lenders are tied to one investor or have limited options. Many only have the option of retail pricing which can be 1/2% higher than wholesale rates. Unlike most lenders and larger brokerages, we maintain low overhead which enables us to give lower rates and remain profitable. ZFG Mortgages offers Oklahoma FHA, VA, First Time Homebuyer Programs, 100% Financing, Damaged Credit Loans, Bankruptcy, and much more!

Many lenders have very similar products at their disposal. Does this make them all the same? Not at all. The difference between lenders is not really the products they have, but the method in which those products are applied to you as an individual customer. Each buyer has a completely different background that determines strong and weak points of each individual’s purchasing abilities. Our service comes in finding the loan program match your exact needs, at the lowest cost possible. If you’ve ever been down the path of attaining a loan before you’ve probably experienced the very common method of placing the client in the first loan program that fits, rather than taking the time to find an exact fit. The result? you usually end up with a higher rate than you could have qualified for, or unnecessary difficulties in forcing a loan to fit your situation.

The home buying experience can be very stressful. Our commitment to all of our clients is make the loan process as stress free as possible. Our years of experience in the mortgage lending industry enable us to have the foresight to overcome obstacles before they become obstacles. We firmly believe in communication with our clients from start to finish. Our goal is to make the normally unpleasant task of attaining a mortgage loan as pain free as possible. We hope that your experience with us is a great one so that you will be excited to refer your friends, family, and co-workers to us for their home financing needs!

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Articles:

ZFG Mortgage.

A company founded on the philosophy of conducting business in a more logical, sensible and upfront manner.

Home mortgage lenders & realtors in Oklahoma specialize in Tulsa mortgages, refinancing & in finding Tulsa homes for sale.

WHY US – WHAT SETS US APART

At ZFG Mortgage we know that consumers have many choices on where to take their mortgage business. Selecting a mortgage company is a very difficult decision, and consumers face many uncertainties, including whether the mortgage company they choose will honor the terms of the deal. What sets us apart? Let us tell you more about what makes ZFG Mortgage different.

Integrity: ZFG Mortgage prides itself on its integrity. We are acutely aware that the mortgage industry has a terrible reputation with the consuming public. How do you know we are different than other mortgage companies with less integrity? All of our programs are available for you to review and can be found within the Today’s Rate Sheet on our website, updated daily. Nothing is hidden; other lenders don’t do this! Finding out what the terms of your loan will be is not a difficult process with us. When you call for our rates we will quote you a rate from our rate sheet then email you a Good Faith Estimate – in other words, provided you qualify, what you see is what you get.

Experience: ZFG Mortgage owners have years of experience in banking, mortgage lending, real estate and financial services, serving 100’s of consumers just like you.

Competitive: ZFG Mortgage operates in a very upfront manner. We do not employ traditional, commissioned loan officers who may have an incentive to increase your loan terms for their own personal gain. All of these unique aspects of our business model allow us to offer extremely competitive pricing that most banks and mortgage brokers can’t.

Convenience and Service: You can apply on-line at your convenience. There is no need to come to our office personally in order to start the process. Just click on the “Loan Application” button and an owner of the company will contact you via phone or email to move forward. During the loan process we update our clients and all involved parties on a regular basis so there are no surprises when it’s time to close.

Accessible: We understand when you’re looking for something or need information you can’t afford to wait. We strive to answer emails and phone calls promptly. Our contact information below includes both office and cell phone numbers and we encourage our clients to call or email us anytime including weekends.

Having a baby and refinancing your home loan.

Diapers, Bottles, Strollers and Clothes…Have you ever wondered “How can I ever have enough money to save for retirement and my child’s education?” and “How did my parents ever make ends meet?”

(Most people think the only time to refinance is to get money to pay off debts. Some loans allow you to drop your payment by as much as 50%)

What would you do with the extra money if you could Cut Your Mortgage Payment in Half?

Start contributing to your 401k or 403b plan? Spend more time with your family?

Fund a Roth IRA or Traditional IRA each year? Put money down on a vacation home with the extra money?

Get health insurance in case your family became ill? Move forward with plans to adopt children?

Call your financial planner for a wealth building plan? Decorate the baby’s room or add on to the home?

Family Life and Getting a Bigger Home.

Is this your situation? “There aren’t enough bathrooms and you have 3 girls, and your son wants his own room.” Maybe you can now sell your current home for the down payment on a bigger home … but should you put the money down?

(You can still buy a home without putting much of your own cash down, wouldn’t it make more sense to put the proceeds of your old home to work?)

This is where we can show you your options on how much money you put down vs. your interest rate or closing costs.

Does putting much money down earn you a RATE OF RETURN?

How much you put down, does not affect a home’s value

Is the money you put down on the home SAFE?

If home prices drop, you lose access to the money

Is the money you put down on the home LIQUID?

When you need it most, the money can be un-obtainable

Does the money you put down on the home reduce TAXES?

The interest payment on your loan could be tax deductable

Trust us with your financing needs.

We offer you the competitive rates and service you deserve. Whether you’re a first time home buyer or are refinancing – we will find you the best rate and program for your situation. Apply online today for a no-cost, no-obligation pre-approval!

* Enthusiasm working for you

Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.

* Established Credibility

We have many years of experience and knowledge working in this industry. We can say with confidence that we’ll get the job done right.

Mortgage Center

Purchase the home of your dreams! ZFG Mortgage has the mortgage program designed to meet the needs of your individual financial situation.

Refinance Center

Gain extra cash by refinancing your home loan. ZFG Mortgage refinance programs are tailored to fit your specific lending requirements.

Real Estate Center

Stay informed on buying and selling your home!

Apply

Get a fast application and closing process! Complete your mortgage application online both quickly and easily with ZFG Mortgage.

At ZFG Mortgages experts are always at hand for your Residential Purchase Loans and Refinancing Loans.

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use our FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home’s equity, use our FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use our FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

Oklahoma mortgage loans are our specialty. It’s all we do. Right now you are probably searching the various Internet lenders for a great mortgage rate. The drawback with Internet lenders is that you normally have to deal with some huge company in another state or even another country. They simply aren’t as experienced with Oklahoma mortgages as someone that lives right here in Oklahoma. A mortgage loan is the largest transaction most families ever make. Do you really want to trust your home purchase or mortgage refinance to someone sitting in a cubicle hundreds of miles away?

With our latest technology, you can have the best of both worlds. We offer competitive mortgage rates AND top-notch customer service from mortgage professionals right here in Oklahoma. Give us a chance to earn your business with a FREE customized mortgage rate quote. We’ll never give you any high pressure and there is no obligation. You will usually receive an answer from an experienced Mortgage Consultant by the following business day.

If you are buying a home or looking to refinance your existing mortgage, we can help. Our Oklahoma mortgage rates are among the lowest in the industry! We have funded thousands of loans in Oklahoma, and we look forward to making you one of our next satisfied clients. Simply give us a call or apply online for your FREE mortgage consultation.

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Tulsa Mortgage Lenders – Featured On Channel6New.com – 918-459-6530

February 24, 2009

At Zeshu Financial we realize that trying to find the right home loan can be difficult and that finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from it can be a confusing process. However when you choose to work with ZFG Mortgage, it will not be a confusing process.

At Zeshu Financial Group our mission is to set the standard in the Tulsa mortgage industry by exceeding our customers’ expectations, one transaction at a time. At ZFG we are committed to offering phenomenal customer service to all of our customers. If you have grown frustrated with the loan-pre-approval process by the endless unreturned voicemails, the long on-hold times, and the overall lack of a “personal touch” that you have experienced thus far in the loan securing process, rest assured ZFG Mortgage is different and ZFG Mortgage is the best. Quickly connecting you to multiple sources of potential funding to help you achieve your dreams is what we do. Take advantage of our expertise in the residential lending industry by calling us now (or shortly after now), or by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients will make getting your loan a successful endeavor.

Give us a call today at 1-877-205-7266 for a free, personalized consultation. You can also apply online. It is fast, secure, and easy.

Why wait? Let us go to work for you!

Home Loans F.A.Q.s (Frequently Asked Questions)

What Documents Will I Need for My Loan Application?
When preparing a loan, the lender will ask for substantial documentation. Here’s a list of what is usually required.

Personal Information

Address and telephone numbers of each borrower
Previous address(es) over the last seven years
Social Security number(s) of inquirers
Age of inquirer(s) and dependent(s)
Name and address of landlord(s) or lender(s) for the past two years and proof of payment
Current housing expense details (rent, mortgage payments, taxes, insurance)

Employment/Income

Name and address of employer(s) for the past two years
Pay stubs for the past 30 days · W-2 forms for the past two years
A written explanation of any employment gaps
If you’re self-employed you’ll need:
Complete, signed Federal Income Tax Returns for the past two years (personal and corporate) ·
Year-to-date Profit and Loss Statement and Balance Sheet

Other Income

If you receive Social Security, a pension, disability or VA benefits you’ll need:
A copy of your awards letter (or tax returns for the past two years)
A copy of your most recent check

Child Support

If you pay child support you’ll need:
A copy of the divorce or separation agreement
Evidence of payment for the last 6-12 months (cancelled checks of pay history from the courts)

Rental Income
If you receive rental income you’ll need:

A copy of the lease

Debt Disclosure – Credit Cards, Loans and/or Current Mortgages

Name and address of each creditor
Account number, monthly payment and outstanding balance for each
Proof of recent payment or current statement for each
Documentation of alimony or child support you are required to pay
Written explanation of any past credit problems

Loan Application for Home Purchase

A complete, signed copy of sales contract · Mailing address and property description (if it’s not in the contract)
A copy of your cancelled earnest money check Loan Application for Refinance
A copy of the deed
A copy of your hazard insurance policy
A copy of the property survey
Proof that your home has passed a termite inspection

Evidence of Funds for Downpayment

If the downpayment is a gift you’ll need a signed gift letter, the giver’s bank statement showing sufficient funds, a copy of the check and a deposit slip
If you have any recent large deposits or new accounts you’ll need to show documentation

Other

If your loan is for new construction the lender will need to see plans and specifications
If there’s a bankruptcy in your financial history you’ll need complete documentation

What should I know before buying a home?

Plan ahead. Establish good credit and save as much as you can for the down payment and closing costs and get pre-approved before you start shopping for your new home. If you do not get pre-approved you will find that most real estate agents will not be willing to help you find your new home. Not only do real estate agents prefer working with pre-qualified buyers, but you will find yourself having more negotiating power and an edge over homebuyers who are not pre-approved.
Set a budget and stick to it. Realtors get paid a % of your total sales price, and some of them will pressure to spend the full extent of your budget and if you do not know what this budget is, you will definately spend more than you should. Know what you really want in a home. How long will you live there? Is your family growing? What are the schools like? How long is your commute? Do you want to live Home Owners Association? Consider every angle before diving in.
Make a reasonable offer. To determine a fair value on the prospective home that you are looking into buying, ask your real estate agent for a “comparative market analysis” listing of all of the sales prices of other houses in the neighborhood.
Choose your loan (and your lender) carefully. For some tips, see the question in this section about comparing loans.
Consult with your lender before paying off debts. You may qualify even with your existing debt, especially if it frees up more cash for a down payment. Keep your day job. If there is a career move in your future, make the move after your loan is approved. Lenders tend to favor a stable employment history. Do not shift money around. A lender needs to verify all sources of funds. By leaving everything where it is, the process is a lot easier on everyone involved. Do not add to your debt. If you increase your debt by financing a new car, a refrigerator, a sports performance boat, a large sod purchase furniture or other large purchase, it could prevent you from qualifying.Timing is everything. If you already own a home, you may need to sell your current home to qualify for a new one. If you are renting, simply time the move until the end of the lease. Bottom line, you want to have as much “cash on hand” as possible before you apply for your new home loan.

How Much House Can I Afford?

How much house you can afford depends on how much cash you can put down and how much a creditor will lend you. There are two rules of thumb:

You can afford a home that’s up to 2 1/2 times your annual gross income.
Your monthly payments (principal and interest) should be 1/4 of your gross pay, or 1/3 of your take-home pay.

Why Should I Refinance?

If you have a low, 30-year fixed interest rate you’re in good shape. But if any of these Five Reasons applies to your situation, you may want to look into refinancing.
1. Decrease monthly payments.
If you can get a fixed rate that’s lower than the one you currently have, you can lower your monthly payments.

2. Get cash out of your equity.
If you have enough equity you can get cash out by refinancing. Just decide how much you want to take out and increase the new loan by that amount. It’s one way to release money for major expenditures like home improvements and college tuition.

3. Switch from an adjustable to a fixed rate.
If interest rates are increasing and you want the security of a fixed rate, or, if interest rates have fallen below your current rate you can refinance your adjustable loan to get the fixed rate you’re looking for.

4. Consolidate debt.
You can refinance your mortgage to pay off debt, too. Simply increase the new loan amount by the amount you need and the lender will give you that cash to pay off creditors. You’ll still owe the lender but at a much lower interest rate – and that interest is tax-deductible.

5. Pay off your mortgage sooner.
If you switch to a shorter term or a bi-weekly payment plan, you can pay off your home earlier and save in interest. And if your current interest rate is higher than the new rate, the difference in monthly payments may not be as big as you’d expect.

The downpayment and closing costs – how much cash will you need?

Generally speaking, the more money you put down, the lower your mortgage. You can put as little as 3% down, depending on the loan, but you’ll have a higher interest rate. Furthermore, anything less than 20% down will require you to pay Private Mortgage Insurance (PMI) which protects the lender if you can’t make the payments. Also, expect to pay 3% to 6% of the loan amount in closing costs. These are fees required to close the loan including points, insurance, inspections and title fees. To save on closing costs you may ask the seller to pay some of them, in which case the lender simply adds that amount to the price of the house and you finance them with the mortgage. A lender may also ask you to have two months’ mortgage payments in savings when applying for a loan. The mortgage – how much can you borrow? A lender will look at your income and your existing debt when evaluating your loan application. They use two ratios as guidelines:

Housing expense ratio. Your monthly PITI payment (Principal, Interest, Taxes and Insurance) should not exceed 28% of your monthly gross income.
Debt-to-income ratio. Your long-term debt (any debt that will take over 10 months to pay off – mortgages, car loans, student loans, alimony, child support, credit cards) shouldn’t exceed 36% of your monthly gross income.

Lenders aren’t inflexible, however. These are just guidelines. If you can make a large downpayment or if you’ve been paying rent that’s close to the same amount as your proposed mortgage, the lender may bend a little. Use our calculator to see how you fit into these guidelines and to find out how much home you can afford.

Why Should I Refinance?
If you have a low, 30-year fixed interest rate you’re in good shape. But if any of these Five Reasons applies to your situation, you may want to look into refinancing.

1. Decrease monthly payments.
If you can get a fixed rate that’s lower than the one you currently have, you can lower your monthly payments.

2. Get cash out of your equity.
If you have enough equity you can get cash out by refinancing. Just decide how much you want to take out and increase the new loan by that amount. It’s one way to release money for major expenditures like home improvements and college tuition.

3. Switch from an adjustable to a fixed rate.
If interest rates are increasing and you want the security of a fixed rate, or, if interest rates have fallen below your current rate you can refinance your adjustable loan to get the fixed rate you’re looking for.

4. Consolidate debt.
You can refinance your mortgage to pay off debt, too. Simply increase the new loan amount by the amount you need and the lender will give you that cash to pay off creditors. You’ll still owe the lender but at a much lower interest rate – and that interest is tax-deductible.

5. Pay off your mortgage sooner.
If you switch to a shorter term or a bi-weekly payment plan, you can pay off your home earlier and save in interest. And if your current interest rate is higher than the new rate, the difference in monthly payments may not be as big as you’d expect.

Is refinancing worth it?

Refinancing costs money. Like buying a new home, there are points and fees to consider. Usually it takes at least three years to recoup the costs of refinancing your loan, so if you don’t plan to stay that long it isn’t worth the money. But if your interest rate is high it may be smart to refinance to a lower interest rate, even if it is for the short term. If your mortgage has a prepayment penalty, this is another cost you will incur if you refinance.

Use the reasons above as a guideline and determine whether or not refinancing is the right thing to do. You can also use our refinance analysis calculator to help you decide.

What Are the Costs of Refinancing?

Here’s what you can expect to pay when you refinance:

The 3-6 Percent Rule
Plan to pay between 3% and 6% of the amount of the new loan amount (if want cash-out, the loan amount will be larger). Yet some lenders offer no-cost refinancing in exchange for a higher rate.

Getting to the Points

Points play a big part in how much it’ll cost to refinance – the more points you pay, the lower your interest rate. Points are a good idea if you’re planning to stay in your home for a while, but if you’ll be moving soon you should try to avoid paying points altogether.

What is an Adjustable Rate Mortgage?

With Adjustable-Rate Mortgages (ARMs) interest rates are tied directly to the economy so your monthly payment could rise or fall. Because you’re essentially sharing the market risks with the lender, you are compensated with an introductory rate that is lower than the going fixed rate.

Convertible ARMs:

Some adjustable-rate mortgages allow you to convert to a fixed rate at certain specified times. This mitigates some of the risk of fluctuating interest rates, but there will be a substantial fee to do it. And your new fixed rate may be higher than the going fixed rate.

Two-Step Mortgages:

This is an ARM that only adjusts once at five or seven years, then remains fixed for the duration of the loan. Not only will you benefit from a lower rate for the first few years, but the new fixed rate cannot increase by more than 6%. It may even be lower, depending on market conditions. Then again, you also run the risk of adjusting to a much higher rate.

Convertible Loans:

Another ARM choice, the convertible loan offers a fixed rate for the first three, five or seven years, then switches to a traditional ARM that fluctuates with the market. If you strongly believe that interest rates will fall a convertible loan might be a smart move.

Balloon Mortgages:

These short-term loans begin with low, fixed payments. Then, in five, seven or ten years a single large payment (balloon) for all remaining principal is due. While this saves money up front, coming up with a large payment at the end of the loan may be difficult. Some lenders will allow you to refinance that payment, but some won’t, so be sure you know what you’re getting into.

Graduated Payment Mortgage (GPM)

With a GPM you pay smaller payments that gradually increase and level off after about five years. Lower payments can make it possible for you to afford a bigger home, but they’ll be interest-only payments, adding nothing to the principal. This could put you in a negative amortization situation.

How often does the interest rate change?

That depends on the loan. Changes can occur every six months, annually, once every three years or whenever the mortgage dictates.

How much can my rate change?

Your ARM will stipulate a percentage cap for each adjustment period, which means your interest may not increase beyond that percentage point. If the market holds steady, there may be no increase at all. You may even see your payment decrease if interest rates fall.

How Can I save on a Fixed Rate Mortgage?
Short Term Mortgages
You don’t have to finance your home for 30 years. Granted, the payments will be lower, but you’ll be paying them longer. You could, instead, opt for a period of 20, 15 or even 10 years, pay your home off sooner and save in interest.

Furthermore, lenders offer much more attractive interest rates with short-term loans, so your payments may not be as much as you’d think.

The table below shows you the interest savings on a $100,000 loan at 8.5% interest:

Term	Monthly Payment	Total Interest Accrued
30 yr	$768.91	$176,808.95
20 yr	$867.83	$108,277.58
15 yr	$984.74	$77,253.12

By paying $215.83 more a month on a 15-year mortgage, you’d save $99,555.83 in interest over a 30-year loan – and own the house in half the time.

What is Private Mortgage Insurance?
Private Mortgage Insurance, or PMI, is insurance purchased by the buyer to protect the lender in case the buyer defaults on the loan. PMI is generally applied when you put down less than 20% of the home’s purchase price. The reason is this:

With 20% down, you are considered a low risk. Even if you default the lender will probably come out ahead because they’ve only loaned 80% of the home’s value and they can probably recoup at least that amount when they sell the foreclosed property.

But with 5% or 10% down, the lender has a lot more invested in the loan and if you default, they will almost surely lose money. This is why lenders require buyers to purchase PMI if they put down less than 20%. It’s insurance that, no matter what happens, the lender will recoup its investment.

How does PMI increase your buying power?
In simplest terms, PMI allows you to put less money down, and the benefits are as follows:

If you have good credit but are short on cash for a downpayment you can put as little as 5% down.
It doesn’t take as long to accumulate a 5% or 10% downpayment so you could buy a home much sooner than you anticipated.
A smaller downpayment allows you to purchase a larger or nicer home.
For repeat buyers, a smaller downpayment on the new home can free up cash from the sale of their previous home to use for other debts or expenses.
Your interest will be higher if you put down less than 20%, but that interest is tax-deductible.

What does PMI cost?
A Good Faith Estimate will be provided to you within a few days after we received your loan application. This disclosure will provide you with an estimate of your monthly PMI premium as well as the initial premium you’ll need to pay at closing. Additionally, we will be providing you a disclosure on your rights (if applicable) to cancel the PMI.

How are the changes determined?

Every ARM loan is tied to a financial market index, such as CDs, T-Bills or LIBOR rates. Your rate is determined by adding an additional percentage (known as a margin) to that index’s rate. When the index rises or falls, your rate rises or falls with it.

What will my closing costs be?
At closing, you’ll be required to pay a number of fees such as transfer of title, origination and appraisal, attorney services, credit report, title insurance and inspections. Your lender is required to provide an estimate of these costs within a few days after your application is received, but you can always ask for an estimate sooner.

Is there a limit to how much interest I’ll be charged?

Yes. It’s called a ceiling, or lifetime cap. This is a guarantee that your interest rate will never exceed a designated percentage. For instance, if your introductory rate was 5% and you have a lifetime rate cap of 6% (meaning that your interest rate can never increase more than 6% during the life of the loan) then your ceiling would be 11%.

Negative Amortization:

Administered by the Department of Veterans Affairs, these special loans make housing affordable for U.S. veterans. To qualify you must be a veteran, reservist, on active duty, or a surviving spouse of a veteran with 100% entitlement.

A VA loan is simply a fixed-rate mortgage with a very competitive interest rate. Qualified buyers can also use a VA loan to purchase a home with no money down, no cash reserves, no application fee and reduced closing costs. Some states allow a VA loan for refinancing as well.

Many lenders are approved to handle VA loans. Your VA regional office can tell you if you’re qualified.

What is a FHA Loan?
FHA loans are designed to make housing more affordable for first-time homebuyers and those with low to moderate income.

Both fixed- and adjustable-rate FHA loans are available, and in most states, an FHA loan can be used for refinancing. The difference is, they’re insured by the U.S. Department of Housing and Urban Development (HUD). With FHA Insurance, eligible buyers can put down as little as 3% of the FHA appraisal value or the purchase price, whichever is lower. Qualifying standards are not as strict and the rates are slightly better than with conventional loans.

Will I be charged points?
Sometimes you’ll have to pay points (one point = 1% of the loan amount) in order to get the interest rate the lender has quoted you. Before proceeding with your loan application find out if there are any points attached to your loan.

What items must be prepaid?
Some expenses, such as first year’s property taxes and insurance, must be paid at closing. Your lender will let you know what’s required.

How long will I be guaranteed the quoted interest rate?
This is called “locking in” a rate and most lenders provide this service. When you apply for your loan, the lender will lock in the agreed interest rate for an agreed period of time. But there may be a fee for this, so ask.

How long will it take to get approval?
It varies, so make sure you get an estimate of how long approval will take, especially if you have a deadline for closing on a new home.

Does the loan have a pre-payment penalty?
If you even think there’s a possibility you may pay off your loan early (this includes refinancing) find out if there’s a penalty for doing so.

Is there a call option attached?
A call option allows the lender to require you to pay off your loan balance before it’s due. You don’t want this, so make sure it’s not in the contract.

What are the benefits of an ARM?

With a lower initial interest rate (usually 2% to 3% lower than fixed-rate mortgages), qualifying is easier and the payments are more manageable at first.

You may qualify for a larger loan than you would with a fixed-rate mortgage.

If you’re only planning to stay a short time the interest rate is likely to stay lower than that of a fixed-rate mortgage.

If you expect regular pay increases that would cover the increase in your interest, or if you believe interest rates will fall, an ARM might be the wiser choice.

Listed below you will find some of the cities in Oklahoma that we currently serve. If you area is not listed below call us for more information and to see if we can meet you lending needs.

Tulsa Mortgages, Tulsa Mortgage Lenders, Tulsa Mortgage Companies

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Mortgage Rates Reach Record Lows – ZFG Mortgage Tulsa – 918-459-6530

February 14, 2009

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

8000 Tax Credit First Time Home Buyer – Now Availble

www.zfgmortgage.com

www.zeshufinancial.com

918-459-6530

Call today to learn how the $8,000 Tax Credit For First Time Home Buyers can help secure your financial future.

Although many prospective home buyers had hoped for a $15,000 tax credit to buy a new home (as promised by the Senate), the $8,000 tax credit for new home buyers provided in the newest stimulus bill is unprecedented and incredible. A proposed $35 billion credit to support first time buyer home sales was jettisoned in favor of a more conservative $2 – $3 billion provision.

The proposal eliminates the repayment requirement in an existing tax credit for first-time home buyers, and raises the credit to $8,000 from $7,500. Essentially the Federal Government is giving $7,500 to $8,000 to first time home buyers to help stimulate the economy.