Long Island Mortgage The RAMS Group

Market Snapshot By Bloomberg
	%	00:00 26 change
	3.04%	5-Year .024 change
	3.78%	10-Year .015 change
	4.39%	30-Year .010 change

The RAMS Group Mortgage Process At Long Island Area Mortgage Services, you will find highly experienced and committed mortgage specialists who are dedicated to providing you with the highest level of service in the following steps of the mortgage process: Pre-qualification Mortgage Selection Smooth-Efficient Processing and Approval Closing Assistance Post Closing Follow-up Refinancing Analysis As your personal mortgage brokers, we are happy to work for you to find the best loan for your home.
What is a Mortgage Broker? A mortgage broker acts as an intermediary who sources mortgages on behalf of individuals or businesses. Traditionally, banks and other lending institutions have distributed their own products. However as markets for mortgages have become more competitive, the role of the mortgage broker has become more popular. Today in most developed mortgage markets mortgage brokers are the largest distributors of mortgage products for lenders. Over 80% of home loans issued in the U.S. today are negotiated by brokers. The banks have used brokers to effectively outsource the job of finding and qualifying borrowers. During the process of loan origination, the broker gathers and processes paperwork associated with mortgaging real estate.
	Customer Quote "Tom walked us through the entire process, it couldn't have been easier. Thanks again!" -Craig & Laurie D.

Why use a mortgage broker?

In competitive mortgage markets many lenders use an array of rate offers and other incentives to attract customers. To many consumers, due to their infrequent purchases of mortgage products, the mortgage market may appear confusing and somewhat daunting.

A mortgage broker can guide them through the process of selecting a suitable mortgage and offer mortgage and property related financial advice.

For borrowers with poor credit records, or other unusual circumstances, finding a lender may be difficult. A mortgage broker, having specialized knowledge and multiple lending sources, will normally be a valuable resource in obtaining financing.

CONTACTS

Registered Mortgage Broker with New York State and Florida State Banking Departments
Equal Housing Lender

Loans arranged with Third-Party Lenders Search Long Island Real Estate

RAMS Offices Nationwide:
Buffalo, NY | Canandaigua, NY | Long Island, NY | Rochester, NY | Syracuse, NY

The RAMS Group Mortgage Process