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Cleveland, OHIO

Looking for the Lowest Mortgage Rate in Cleveland, Ohio?
or
Looking for the Lowest Closing Costs in Cleveland, Ohio? 

Shopping for the Lowest Rate or the Lowest Closing costs, will not get you the best mortgage for your Cleveland, Ohio Purchase or Refinance.   Rates and Closing Costs are important when considered together along with the loan program being offered to you.    With the growth of the Internet and  Cleveland borrowers like you searching for a mortgage online, you need to consider who to call or contact with your mortgage questions.   During your online searching you have likely found many websites that claim to offer you the Lowest Rates or Lowest Closings costs.   Few claim to offer you the Best Mortgage based upon your individual needs.  Tim Bradford and the other Mortgage professionals at American Midwest Mortgage are Direct Lenders.  Our motto is "Doing Good Things for Good People" and that includes homebuyers and homeowners like you in  Cleveland, Ohio.

Beware, many of the mortgage websites you find on the internet make their money from the advertising they sell on their websites as well as the money they make selling your request for Mortgage Information to multiple lenders.  I receive many phone calls, emails and letters from the sales people on these sites asking me if I want to buy your information.  I prefer to avoid these websites because the fees to them have to be paid by someone.   I prefer to avoid passing this added cost to the borrowers that I work with.   This generally allows me to offer you a better loan than available from them. 

Today, most of the Mortgage Loans being written in  Cleveland, Ohio  are 30 Year Fixed Rates.  Depending on how long you expect to own the property, in some cases an Adjustable Rate Mortgage may be something to consider.   Beyond the term of the loan, Tim Bradford and the other Professionals at American Midwest Mortgage will assist you in determining what type of loan is best for you.    Because we offer all types of loans, we will assist you in choosing a the best Conventional, FHA, VA, USDA Rural Home, Reverse Mortgage or Jumbo for your  Cleveland, Ohio Property.    If your Loan will require some form of Mortgage Insurance (FHA MIP, Conventional PMI or VA Funding Fee), Tim Bradford understands all of the options and can give you the low done on your options so you can choose the best mortgage on you Cleveland, Ohio home.

There are several things you will need to consider when applying for your Cleveland, Ohio Mortgage..   The most important is the Lender you choose.  Your Options could Include:

  • The local bank or Savings and Loan is one option to consider.  It may be convenient but not always the best option.  . 
  • Realtors, sometimes can be a good source of referrals to a Lending Professionals.  However, if there is any Relationship (note #1) between the Real Estate Company, Realtor or their Broker shopping is encouraged. 
  • Friends and Family are also good sources of Referrals to a Qualified Mortgage Professionals.  

After speaking with any of these people, a Call to Tim Bradford could save you money upfront and/or over the life of your Loan and get you the Best Loan on your Cleveland, Ohio home based upon your wants and needs.

Some final Warnings when shopping for your  Cleveland, Ohio  Mortgage.

  • Rate or Closing Costs appear too good to be True. -  Most people know what the truth is.
  • Lender quoting No Closing Costs or Points -  There are always costs Upfront or over the life of the Loan. 
  • Lenders that tell you they are the only one that can get you approved. Check out this web search  Miracle Mortgage Lenders do not Exist.
  • Lenders that tell you your Credit Scores will go down if you talk with other lenders.  Shopping is good and encouraged.

Note #1 - Affiliated Business Relationships come in many forms.  A Mortgage Company or Individual Mortgage Lender  may rent office space from a Real Estate Company where the Real Estate company receives rental income each month.    The Realtor and/or Their Broker could have an ownership interest in the Mortgage Company where they receive payments based upon the profitability of the Jointly owned Mortgage Company. 

Ohio adjustable-rate mortgages

Adjustable-rate mortgage (ARMs) in Ohio are the loan of choice for borrowers who want a low payment in the early months of the loan. ARMs offer this low initial payment, but the trade-off is the risk of payment increases later on. You might accept this risk if you know that your income will increase, or that you'll sell the home before the initial rate expires. Most commonly, the initial rates remain in force for one, three, or five years.  Choosing an ARM for the proper reasons is the key. 
 

"Doing Good things for Good People"
Is our goal,  as you look back you will say it was an enjoyable experience to have worked with Tim Bradford
and the other experienced professionals at American Midwest Mortgage.
Let us assist you with your Cleveland,  OHIO  Mortgage Questions.  

Tim Bradford as an Employee of American Midwest Mortgage Corp-- OHIO MB.803389/LO.007173 ---- NMLS CO.142066/LO.250013
 

Tim Bradford -- OHIO MB.803389/LO.007173 ---- NMLS CO.142066/LO.250013
6363 York Road #300, Parma Heights, Ohio 44130

Affiliated Web Sites

Ohio Home Loans     All about Ohio HECM Reverse Mortgages     Rent Vs Own in Ohio
Ohio First Time Buyer Programs Grants      Cleveland and Northern Ohio Realtors 
Ohio Buyers and Sellers Resources   Information - Ohio 203K Loan

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Also Serving These Cities in Cuyahoga County:
Beachwood, Bedford, Bedford Heights, Berea, Bratenahl, Brecksville, Broadview Heights, Brooklyn, Brooklyn Heights, Brook Park, Chagrin Falls, Cleveland Heights, East Cleveland, Euclid, Fairview Park, Garfield Heights, Gates Mills, Highland Heights, Highland Hills, Independence, Lakewood, Lyndhurst, Maple Heights, Mayfield, Mayfield Heights, Middleburg Heights, Moreland Hills, Newburgh Heights, North Olmsted, North Royalton, Olmsted Falls, Orange, Parma, Parma Heights, Pepper Pike, Richmond Heights, Rocky River, Seven Hills, Shaker Heights, Solon, South Euclid, Strongsville, University Heights, Valley View, Walton Hills, Warrensville Heights, Westlake
Cleveland Ohio
Reverse Mortgages
Cleveland Ohio
1st Time Buyers
Cleveland Ohio
USDA Rural Home
Cleveland Ohio
Veteran Loans
Cleveland Ohio
OHFA Loans

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