76 Mortgage is a locally owned Mortgage Company and a member of the Better Business Bureau. Our business model is unique compared to the traditional structure of banks and big mortgage broker shops. Our primary focus is exceptional service at the lowest possible price. How do we do this?

Our main competitors are banks and large mortgage broker shops. If you call these types of companies for a mortgage, you will be dealing with an employee or a loan officer. Then you will be dealing with one of many people attempting to make a commission on your new mortgage. Skip the middle men and save money. When you contact us, you will be speaking to an owner of 76 Mortgage. In the mortgage business, bigger is not better.

We prefer to keep our overhead small and pass the savings on to our clients. 76 Mortgage provides outstanding personal service at the lowest possible price. We have relationships with many different lenders and we can offer many different programs. There is rarely a product we do not have or a customer we cannot help. No matter what your situation is, 76 Mortgage can assist you in your mortgage needs.

Contributions to Lender411

Contacted consumers with following loan scenarios Arizona, Home Purchase, Good Credit, Amount: $102,500, LTV 98% 9 days ago Arizona, Home Equity, Excellent Credit, Amount: $0, LTV 99% Sep 19th 2011 Arizona, Home Refinance, Excellent Credit, Amount: $200,000, LTV 80% Sep 4th 2011 Arizona, Home Purchase, Good Credit, Amount: $130,000, LTV 99% Aug 8th 2011 Arizona, Home Purchase, Excellent Credit, Amount: $110,000, LTV 99% Jul 21st 2011

We have many programs for 1^st time homebuyers. In addition to our programs, we have also partnered up with real estate agents who specialize in helping 1^st time home buyers.

VA Loans

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

• Closing costs comparable and sometimes lower - than other financing types.
• No private mortgage insurance requirement.
• Right to prepay loan without penalties
• Mortgage can be taken over (or assumed) by the buyer when a home is sold.
• Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.