Corporate Loans World wide Financing, Guaranteed 100% Financing for all that Qualifies

rstmcfinancial.com, an independent marketing consultant for Smart Lending Solutions, serves homeowners and homebuyers, as well as commercial loans for all of your financial business needs. We offer a full range of Residential and Commercial mortgage products. Our team of experts have the experience, knowledge and expertise to handle even the most complicated mortgage and lending situations.

(PRWEB) November 1, 2005 -- A mortgage is no small item. For most people, their mortgage will be the largest and longest financial obligation they will ever have. For that reason, you should trust a company whose team members handle your mortgage application the same way they would their own.

Do I need a down payment to purchase a home?

Maybe not. Smart Lending Solutions has mortgage programs available that start with NO MONEY DOWN. Tell us what your purchase requirements are using any combination of your own money, gift money, grants or contribution from the seller. Then, we'll find the best plan for you and give you all the options. No money down programs include purchases made with a single 100% loan or a combination of first and second mortgages totaling 100%. Conventional loans starting with 2% down, FHA, VA and non-traditional financing (ask about OPTION 2) are all available from your single mortgage source; RSTMCfinancial.com.

What if I'm self employed?

Self employed borrowers enjoy a wide selection of mortgages at RSTMCfinancial.com Smart Lending Solutions. Many times, standard tax deductions leave some borrowers with a bottom line that doesn't allow them to qualify for conventional financing. At RSTMCfinancial.com Smart Lending Solutions, our selection of No Doc, Light Doc, No Stated Income and No Income Verification programs offer borrowers the ability to achieve the best of both worlds. No Doc programs start with NO MONEY DOWN for the qualified homeowner. Many of these programs are available for applicants with 'Less than Perfect Credit' as well.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

- Earnest Money: The deposit that is supplied when you make an offer on the house

- Down Payment: A percentage of the cost of the home that is due at settlement

- Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

What is the difference between pre-approval and pre-qualification?

The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.

When does it make sense to refinance?

Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation:

1. Calculate the total cost of the refinance

2. Calculate the monthly savings

3. Divide the total cost of the refinance by the monthly savings

- This is the 'break even' time. If you own the house longer than this, you will save money by refinancing.

What are the benefits of refinancing?

Whether you want to lower your monthly mortgage payments, get cash for remodeling or subsidize a college education, Smart Lending Solutions can help. We have a variety of loans with different options to suit your needs and lifestyle.

Which is better: 15 or 30 year term?

Decide which term is best for you. This calculator shows how different term lengths affect monthly payments and total costs.

Who is RSTMCfinancial.com Smart Advertising Solutions?

An Independent agent of Smart Lending Solutions, a division of Smart Advertising Solutions, an Arizona corporation.? Smart Lending Solutions is computerized loan lead generator.? Smart Lending Solutions is not a lender. Smart Lending Solutions does not make loans or credit decisions in connection with loans, nor does Smart Lending Solutions issue commitments or lock-in agreements. Smart Lending Solutions is not an agent of either you, the consumer, or any participating bank, lender or loan broker (we refer to all of these as "Lenders"). Smart Lending Solutions' services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use Smart Lending Solutions to commence the financing process and Smart Lending Solutions does not guarantee that completing a loan request will result in your receiving a loan from a Lender.

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