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Still have some concerns about
applying for a home loan? It's part of the Champion Mortgage®
promise to you that we address them.
I'm looking for mortgage rates.
What if I have bad credit when applying for a mortgage?
I need some flexibility with your mortgage solutions.
I don't trust doing things online, but still want more mortgage information.
I'm looking for mortgage rates.
And we'll give them to you, but there are some things
to know about mortgage
rates and loan quotes first. Mortgage rate shopping can be misleading
and counterproductive. If you've been surfing the Internet searching for
the cheapest mortgage or home equity loan rates, then you've probably
noticed that it seems like everybody is promising the lowest rate.
It's important to understand that an interest rate
you receive can vary based on a number of factors. These factors can include
your credit qualifications, property type, income, loan type, lien position,
term of loan and home loan amount. You'll be very disappointed if you
shop for a mortgage or home loan by calling every lender you can find
and asking, "What's your rate?" This would be exactly like calling an
auto dealership and asking, "How much is a car?" You will always hear
the lowest price they offer, without regard to the make or model. Mortgages
work the same way. Any mortgage consultant in the country can say they'll
give you a low mortgage rate, but there aren't many who actually end up
closing loans at the lowest rate. The reason is that the lowest mortgage
rate has an extensive list of "ifs" to go along with it.
We're different. At Champion Mortgage, there are no
"if's". We use your specific information to present you with
an honest mortgage rate that matches your credit standing
with your needs. We won't make false promises about your interest rate.
With Champion Mortgage®, you are guaranteed personal service
that's second-to-none. It's a value-added relationship, based on integrity,
respect and commitment.
So call us at 1-800-CHAMPION and see how our mortgage
rates—and our home lending services—stack up.
I have less-than-perfect or bad credit , but it's
getting better. What are the odds of my bad credit mortgage application
going through?
There are three categories of information we look at
when reviewing a loan application —the applicant's personal information,
the subject property information and the mortgage program information.
We will try to work with you, regardless of bad credit, to get the best
solution for you at the best mortgage rate we can.
- Personal Information: We will look at your income, assets,
debt and credit history to help determine your ability to repay the
loan.
- Property Information: An appraiser will compare your home
to other similar homes in your area to determine if the equity exists
to lend the amount requested.
- Mortgage Information: We offer a wide variety of bad credit mortgage solutions
to help you with your financing.
I need some flexibility from your Champion
Mortgage Solution.
We know that needs can change. Your dedicated Home Loan
Specialist will work with you to tailor your Champion Solution to fit your
new situation. Just contact
us or call 1-800-CHAMPION and one of our knowledgeable mortgage representatives
will try to help you as much as possible.
I don't trust doing things online, but still want
more mortgage information.
No problem. While our site is secure and any information
you submit is confidential and private, we'll give you as much mortgage
information as we can in any way we can. Call us at 1-800-CHAMPION to talk
one-on-one with a Champion representative who can answer any question you
may have and help you begin the home loan application process.
We make sure you know what happens at every stage of
the mortgage application process.
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