Contact Debra Johnson
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 Debra Johnson
My goal is to build respectful relationships with my clients, helping them realize their financial goals. I work hard for my clients loyalty, and get the job done having the advantage of working for the BEST mortgage company around. Our advanced technologies and systematic planning helps you close faster. I will keep you in the know every step of the way as your loan is processed, underwritten and cleared for close. My rich experience combines Real Estate & Mortgage Services to ensure you receive the best savings for your situation. I understand refinancing or purchasing a home is usually the largest and most stressful transaction anyone will have to deal with. I will be with you every step of the way to make sure you have someone to answer your questions and make sure everything is transparent. Loanpal works with people looking for long term loans and shorter term loans, fixed rates and adjustable. We specialize in VA, FHA & convention home loans. Loanpal is a direct lender. This is a big advantage in offering you options that are not available through other lenders. Being a direct lender allows us to provide financing to many who have not qualified due to negative equity, lack of down payment, high debt-to-income ratios, or simply because their current loan has private mortgage insurance. I would love to help!