http://www.tmsusa2.com The latest news from tmsusa2.com, a The Mortgage Store USA Web site. http://www.tmsusa2.com/tools/mortgage-loans.jpg http://www.tmsusa2.com en-us Copyright tmsusa2.com Fri, 04 Jul 2008 15:58:29 -0400 Fri, 04 Jul 2008 15:58:29 -0400 http://blogs.law.harvard.edu/tech/rss LoansInteractive.com Loan Officer Websites and Technology info@tmsusa2.com info@tmsusa2.com http://www.tmsusa2.com/index.htm Looking for a Mortgage? The Mortgage Store provides you with solutions to your dreams. Metro Area Home Buyers: Purchasing a home of your dreams? The Mortgage Store not only finds you a mortgage we educate you about your options. Metro Area Home Owners: Looking to refinance to take advantage of lower rates or to make Sun, 13 Jan 2008 21:30:37 -0500 http://www.tmsusa2.com/index.htm http://www.tmsusa2.com/loanproducts.htm LOAN PRODUCTS Loan Products Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Refinance Home Equity Line Of Credit (HELOC) Jumbo Mortgages FHA Construction Fixed Rate Mortgage With a fixed rate mortgage, you know exactly what your principal and interest payment will be each month for the life of your loan. It won't change because your interest rate doesn't change. Sun, 06 Jan 2008 18:21:00 -0500 http://www.tmsusa2.com/loanproducts.htm http://www.tmsusa2.com/privacystatement.htm PRIVACY STATEMENT We are committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of our web site. If you have any questions regarding our privacy statement, please feel free to contact us by phone or email. Gathering of Information Voluntary Submission We do not collect personally identifying information about any individual web site user except Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/privacystatement.htm http://www.tmsusa2.com/information.htm INFORMATION The process of getting a mortgage is not only mentally taxing but can be very emotional as well. You want to cover all your bases but you#8217;re committing to a property and a loan that you have to live with for some time. We are here to make your journey easier. You are welcome to learn at your convenience from all of our online reading materials but don#8217;t forget that we are available to answer any question that you have about your Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/information.htm http://www.tmsusa2.com/learningcenter.htm LEARNING CENTER Welcome to our Learning Center where you can find a variety of topics to broaden your knowledge of mortgages. You can find everything from mortgage basics to advanced topics that will help you save money during the life of your loan. Mastering the ability to understand even the simplest Mortgage terminology can be quite a difficult task. At times it can be compared to finding your way through a complex maze. There are literally dozens of Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/learningcenter.htm http://www.tmsusa2.com/theloanprocess.htm THE LOAN PROCESS The Loan Process Get your documents amp; finances in order. Get pre-approved to determine how much you can borrow. Work with our loan officers to find the best mortgage for you. Close your loan and settle 1) Get your documents amp; finances in order. You should start with reviewing your credit report. Your credit report will be used by your prospective lender as a measure of how you manage your finances. Good Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/theloanprocess.htm http://www.tmsusa2.com/linksofinterest.htm LINKS OF INTEREST Fannie Mae America's largest supplier of conventional home mortgage funds. Since its beginning in 1968, Fannie Mae has helped more than 30 million families achieve the dream of homeownership. Freddie Mac A shareholder-owned corporation chartered by Congress in 1970 to create a continuous flow of funds to mortgage lenders. Since its inception, Freddie Mac has been involved in the financing of one out of every six homes in Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/linksofinterest.htm http://www.tmsusa2.com/faq.htm FREQUENTLY ASKED QUESTIONS 1 What types of documentation do I need for the application? Based on the loan program you choose, the exact documents required will vary. In general, you should bring the following: Federal income tax statements and verification of any additional income Your two most recent W2#8217;s. Current paycheck stubs Recent bank statements Asset and liability information (stocks, bonds, other real estate, etc.) 2 How do I Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/faq.htm http://www.tmsusa2.com/glossary.htm GLOSSARY Adjustable Rate Mortgage - A mortgage in which the interest rate and payment changes periodically over the life of the loan based on changes in a specified index. The changes are usually subject to a cap. Amortization #8211; The payment of a mortgage loan through monthly installments of principal and interest. The monthly payment amount is based on a schedule that will allow you to own your home at the end of a specific time period (for Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/glossary.htm http://www.tmsusa2.com/tools.htm TOOLS We've assembled this collection of tools to help you decide on the right mortgage for you. These tools can help you with the current rates, projected payments, the effects extra payments, payoff schedules and how much you can afford to borrow. If you have any questions, please give us a call. RateSheet Check out the rates on our most popular loan products. We've got our rates, points, Thu, 29 Nov 2007 10:55:04 -0500 http://www.tmsusa2.com/tools.htm