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.
http://www.youtube.com/watch?v=ghL0ohtFccE
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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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Industry Players Vie for a Piece of Mortgage Lending Reform.
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http://video.aol.com/video-detail/tulsa-mortgage-lenders-zfg-mortgage/3341387901/?icid=VIDLRVHOV07
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U.S. looks for ways to free up mortgage -
http://video.google.com/videosearch?q=mortages&hl=en&emb=0&aq=f#q=tulsa+mortgages&hl=en&emb=0
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:
Sign up today, Low interest rates save you money
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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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Zeshu Financial: Your Tulsa Mortgage & Lending Resource 