Scranton, AR Home Loan
Hundreds of home buyers across Scranton, Arkansas are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Scranton home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2023 Scranton mortgage guidelines. Our mission is to get you approved and into the best home loan Scranton has to offer. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
Home Loan Options
When it comes to Scranton home loan options we have them all. Every day Scranton welcomes new home buyers while current residents refinance their homes.
Home Buyer Options
Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores.
When it comes to refinancing your Scranton, AR home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Home loan experts near Scranton, AR are standing by and ready to help. Connect with a licensed Scranton home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Scranton, AR
When it comes to Scranton, AR home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Scranton Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Scranton, AR Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Scranton can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Scranton home loan team is celebrating its 25th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to a better home loan. We got your Back!
My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.
We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!
I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.
I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!
Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.
Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.
Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.
Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.
The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.
Find Home Loans in Scranton, AR
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Home Loan Benefits in Scranton, AR
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Scranton, AR (888)416-0920.
Scranton is a city in the U.S. state of Pennsylvania. It is the county seat and largest city of Lackawanna County in Northeastern Pennsylvania’s Wyoming Valley. With a population of 76,328 as of the 2020 U.S. census, Scranton is the largest city in northeastern Pennsylvania and the Scranton–Wilkes-Barre–Hazleton Metropolitan Statistical Area, which has a population of about 570,000, and the sixth largest city in Pennsylvania after Philadelphia, Pittsburgh, Allentown, Reading, and Erie. The contiguous network of five cities and more than 40 boroughs all built in a straight line in Northeastern Pennsylvania’s urban area act culturally and logistically as one continuous city, so while the city of Scranton itself is a smaller town, the larger unofficial city of Scranton/Wilkes-Barre contains nearly half a million residents in roughly 200 square miles. Scranton/Wilkes-Barre is the cultural and economic center of a region called Northeastern Pennsylvania, which is home to over 1.3 million residents.[circular reference]
Scranton hosts a federal court building for the United States District Court for the Middle District of Pennsylvania. The city is conventionally divided into nine districts: North Scranton, Southside, Westside, the Hill Section, Central City, Minooka, East Mountain, Providence and Green Ridge, though these areas do not have legal status. The city is the geographic and cultural center of the Lackawanna River valley (a local name for a small part of the Wyoming Valley) and Northeastern Pennsylvania, as well as the largest of the former anthracite coal mining communities in a contiguous quilt-work that also includes Wilkes-Barre, Nanticoke, Pittston and Carbondale. Scranton was incorporated on February 14, 1856, as a borough in Luzerne County and as a city on April 23, 1866. It became a major industrial city and a center of mining and railroads; it attracted thousands of new immigrants. It was the site of the Scranton General Strike in 1877.