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Welcome to Secure Choice Lending
About Secure Choice Lending
Secure Choice Lending is a full service mortgage lender that will secure you a mortgage that doesn’t break the bank. Our team of financial experts is adept at matching consumer needs with appropriate loan programs and level of risk, streamlining the lending experience.
For those looking to Purchase a new home, Secure Choice Lending can help secure the optimal choice, be it a mortgage or other Loan Option. Looking to Refinance? We have you covered. Looking for a Reverse Mortgage? No problem. With loan officers versed in all mortgage types, solutions to your home-buying questions are a phone call away.
Dedicated Mortgage Experts!
Get your own personal dedicated mortgage expert
We work to make the process smooth and quick
We provide free quotes and fee sheets at your request
No Origination Fee!
We never charge origination fees
We have some of the most competitive rates in the nation
Large Product Mix!
We match your needs with the appropriate loan program
What and how to understand your credit score?
Your credit score is a three-digit number that shows your ability to repay debt. Lenders use it to decide whether you can be approved you for a credit card or loan. Credit scores range from 300 to 850 points. Average credit scores range from 660 to 720. Your credit score can also affect your interest rate. The higher your score the more likely you are to get a lower interest rate.
What is an appraisal?
A home appraisal is used to determine the value of the home. An appraiser inspects the size, features and overall conditions. Additional factors are included such the neighborhood, what similar home have sold for in the past 6 months and homes replacement cost.
What is PMI?
Private mortgage insurance commonly referred to as PMI is the type of insurance that protects the lenders investment and is required on conventional loans where loan amount is greater than 80% of the property value or purchase price.
What is underwriting?
Underwriters in the mortgage sector perform the critical operation of assessing the credit worthiness of a potential customer and whether or not the customer(s) qualifies for a loan. An underwriter evaluates the credit history of the customer through their past financial record, statements, and value of collateral's provided, among other parameters.