Mortgage Loan Solutions

Think about the facts of mortgage loans and the lenders who provide them. Until now borrowers have had no one looking out for them in making the largest financial decision in life. The facts are when lenders set interest rate and terms on a mortgage loan,......it's like the old expression "Like letting the fox guard the hen house". Guess who's "hen house" is being guarded? That's right it's you and the fox is your lender.

However with State A Rate Mortgage Management you can "out fox the fox" because only State A Rate Interest Reduction Program "protects your interest from interest". Thats a real 1st wouldn't you agree?

State A Rate Home Mortgage Interest Reduction program was specifically designed to save borrowers thousands in interest waste. 1st Choice Funding is your BEST Financial Solution to the perplexing issue of enriching your lender on a 30, 40 or now even 50 year mortgage loan. 1st Choice Funding delivers an entire home mortgage loan need. From mortgage financing through our network of lenders to the revolutionary State A Rate program, 1st Choice Funding provides the tools to build home equity faster, because

Reduced Mortgage Interest = Home Ownership For Less

1st Choice Funding's Home Mortgage Loan Program is a complete service from home mortgage loan acquisition to mortgage loan payoff, 1st Choice Funding is here every step of the way

1st Choice Funding's development team thought so and that's why State A Rate does even more than let you set your home mortgage interest rate. For the first time in history, 1st Choice Funding's State A Rate program provides borrowers a cash return option at the end of any Home Mortgage note commitment!! No this is not a typo, you read it right... "State A Rate" provides borrowers cash returns from 50-500% of the original Home Mortgage loan amount at the end of the note commitment!

With S.A.R. You Can Borrow $100,000.00 and Receive $100.000.00 Cash 30 Years Later!

State A Rate is the most incredible home mortgage loan management tool ever devised, developed specifically to reduce the cost of your biggest investment. With State A Rate Mortgage Loan Program your financial future is in your hands as S.A.R. mortgage management achieves huge savings:

No Matter The Mortgage Interest
No Matter the Mortgage Loan
No Matter the Mortgage Amount
No Matter the Mortgage Lender
No Matter the State You Live
And there's No Refinancing To Activate the Savings!
Unlike credit score with "State A Rate" there are No Turn Downs & No Credit Checks.

What Does The State A Rate Program Cost?

The results of this amazing program changes lives. For residential loans enrollment our fee is just 3% of the mortgage interest savings ( minimum program fee is $800.00). To change your financial future starting today do not let this incredible opportunity pass you by. State A Rate is designed to help you achieve more financially. Don't wait act today as the State A Rate analysis calculator is provided FREE.

To Apply For A Mortgage Loan with State A RateClick Here

Here Are The Facts About Borrowing Money- Facts Lenders Capitalize On:

Fact 1: An $80,000.00 30 Year Loan @ 6% Interest costs $172,688.27 which translates to a whopping $92,000.00 profit for borrowing $80,000.00! That's 116% Profit!

Fact 2: If your home doesn't gain 116% in value during 30 years, you've lost money. If your home gains 116%, you've only broke even, and if your home gains more that 116%, that's great but you've surrendered 116% of your investment to lender profits! Home ownership should always be your best investment. Breaking even, losing money, or even receiving only a portion of your investment is not the reasons you invest in a home.

Fact 3: Borrow more than $80,000.00 or paid more than 6% interest and you're losing even more of your hard earned cash.

Fact 4: According to a recent study performed by the FDIC conveniently over 50% of mortgage loans have "Lender Servicing Errors" which costs Home Owners collectively 8-10 Billion Dollars annually. "Lender Servicing Error" refunds average $1,200.00 each and according to new legislation, if homeowners can prove an error has occurred by a lender, the same lenders must surrender all over charges. But lender errors have to be discovered and the only way to o so is through a loan audit. The real question is does increasing profits on average $1,200.00 per loan sound like an "error" to you? Collectively "errors" are costing borrowers billions each year as lenders profits increase through "misapplied loan payments."

Fact 5: What Homeowners and Home Buyers Don't Know Can Cost them thousands when Mortgage Insurance (PMI) is applied by a mortgage company in high "Loan to Value" or LTV loans. All mortgage loans over 80% have forced PMI (private mortgage insurance) on such loans. What PMI does is it protects lenders in the event of foreclosure which has nothing to do with protecting you. When a borrower purchases a home a lender in high LTV loans includes mortgage insurance which is then added to the monthly payment.

The Truth about Private Mortgage Insurance (PMI)

Statistics suggest that 75% of all residential mortgages are paying mortgage insurance (MI or PMI)- and many of those same people aren't sure what mortgage insurance is or why they are paying it each and every month...95% of PMI policy holders overpay PMI insurance by $114 million a month. Are you one of them?

State A Rate provides protection from PMI premium overcharges which statistically mean borrowers pay PMI premiums on average 14 years longer than lenders have the right to charge borrowers for. Clearly PMI overcharges are just another ploy lenders use to increase profits at a trusting borrowers.

To Apply For A Mortgage Loan with State A RateClick Here

State A Rate Mortgage Interest Provides: