Contact David Murow
Loanpal, LLC * Rates are valid as of 1/18/2018 and are subject to change without notice. Rates assume that you are refinancing an owner-occupied single-family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000. For the 5/1 adjustable rate, this loan is fixed for five years, then is adjustable for the remaining 25 years. At the ends of 60 months the interest rate and monthly payment will adjust. The adjustment will be a new rate based on the 6 month LIBOR as published in the Wall Street Journal, plus a margin of 2.75%. The rate will change each year based on this index and margin, subject to annual and lifetime adjustment caps. Please contact us at 844-562-6725 for a customized rate and payment quote. © 2018 loanpal ®. All rights reserved. Lending services Loanpal LLC. 8781 Sierra College Blvd, Roseville, CA 95661. NMLS# 30336 ** Results based on an internal survey of closed loan customers from 11/1/2017 to 12/31/2017 *** Loanpal will pay these fees to the extent incurred. If not incurred you are not entitled to a credit for that amount. If your loan does not include an appraisal, no credit will be given. Rate discount Benefits available for the same or a new property. Rate discount is equal to .125% off the interest rate. For the better rate guarantee, borrower must provide a Loan Estimate from the competing lender for the same loan product and loan terms on the same day. If Loanpal is unable to match the offer, Loanpal will send a check for $1,000 within 6 weeks. The Set and Secure Guarantee is not valid in the event that there is an unforeseen change with the loan that includes, but is not limited to, the appraised value of the property coming in lower than disclosed, undisclosed debt was discovered, a change in income due to the loss of a job or other circumstances etc. This guarantee is not valid if you withdraw your application or request a change to the terms of your loan such as adding an additional borrower, changing the loan type from an adjustable rate loan to a fixed rate loan etc.
About David Murow
I am David Murow, your nationwide mortgage professional, licensed in over 20 states. As a licensed loan consultant, I support my clients from pre-approved all the way through closing. Whether you are a first time home buyer or a seasoned home owner, you can trust me with all of your home financing needs. When working with me, it’s important to know that I adhere to a No-Steering Policy. What that means is that I’m not compensated based on the size of your loan, the loan program you select or the closing costs (if any) associated with the loan. I’m actually compensated based on the number of customers that I help to close a loan with us. This allows our team to give you unbiased and well thought out advice and guidance, regardless of the outcome, not only now, but for years to come. I base my recommendations solely around the loan program that’s best for your specific needs. We’ve also created a seamless process with all lending functions housed under one roof. This means that your loan will be processed by a team of associates that are dedicated to provide you with excellent customer service and fast turn times. One of the biggest benefits of working with me is that every loan we close comes with a Better Rate Warranty. It offers you the peace of mind knowing that if you decide to refinance your home anytime in the future for any reason such as: cash out, pay off debt, or even reduce your loan term; as long as you qualify for the loan, we’ll waive our lender fee and provide a free appraisal! Our goal here at Loan Pal is to earn your business both today and in the future. Ready to get started? Give me a call at (949) 375-1218 or shoot me an email! I look forward to working with you.