One of the advantages of working with the Ethical Homes team for your mortgage is that we can originate loans from many different wholesale lenders, including most of the large retail lenders; since those lenders know that they are competing against each other for our clients business, they actually give us better pricing than they give their own in-house loan originators, and since we do have such a wide array of wholesale lenders, we also have a great deal more flexibility than most other lenders in being able to match our borrowers up with wholesale lenders whose guidelines match up with our borrowers’ specific needs.

Some of our clients are interested in just which wholesale lenders we work with; our list of wholesale lenders changes frequently, but here is a snapshot of some of our current residential wholesale lenders, as of May 05, 2011:

• Allied Capital
• American Financial Resources
• American Partners Bank
• Bismark Mortgage
• Caliber Funding
• Cardinal Financial
• Century Lending
• Chase Rural Housing
• Citimortgage
• Classic Home Financial
• CMG Mortgage
• Crestline Funding
• Direct Mortgage
• Eastern Savings Bank
• Everbank Wholesale Lending
• Fifth Third Mortgage
• First Community Mortgage
• First Federal
• First Guaranty Mortgage Corp (FGMC)
• Flagstar
• Franklin American Mortgage
• FPF Wholesale
• Freedom Mortgage
• Gateway Mortgage Group
• GMAC
• Guaranty Trust
• HCI Mortgage
• Home Savings OF America
• Icon Residential
• ING Mortgage
• JMAC Lending
• Just Mortgage
• Luxury Mortgage Corp.
• Maverick Funding
• M&I Home Lending Solutions
• M&T Bank
• MET Life Home Loans
• MFG Banking
• MID Island
• MNET
• Mortgage Services (MSI)
• Myers Park Funding
• Nationstar Mortgage
• Normandy
• NYCB (formerly Amtrust)
• Ocean Bank
• Pacific Union Finance
• Peoples Home Equity
• Plaza Home Mortgage
• Polaris
• Provident Funding
• Real Estate Mortgage Network, Inc.
• SC State Housing Finance
• Sidus Financial
• Sierra Pacific Mortgage
• Stearns Lending
• Sterling Lending Group
• Suntrust Mortgage, Inc.
• Trust One
• United Wholesale
• University Lending Group
• US Bank
• US Bank Consumer Finance Division
• US Mortgage Finance Corp.
• Walker Jackson
• Wells Fargo Home Mortgage

This list is automatically generated, so it may not include all of the residential wholesale lenders with whom we work; it also does not include any of the commercial or agricultural lenders in our portfolio.

Many lenders restrict financing on properties that were previously sold within the last 6 months and/or cap the amount of profit that a seller can make on sales during that period; at Ethical Homes, we can provide financing for subsequent sales (aka “flips”) with no waiting period, and with no cap on the difference in price between the previous sale and the current one. Read the rest of this entry »

Many lenders have limits on how soon after a property is taken off the market it can be refinanced; at Ethical Homes, we can refinance properties as soon as 1 day after they are removed from the market. Read the rest of this entry »

Most lenders are currently focusing on owner-occupied properties, and aren’t giving loans at all to investors who already have mortgages (with any lender) on 4 or more properties; Ethical Homes, however, can still arrange for financing for investors with 10 or more financed properties. Read the rest of this entry »

Don’t want to have to print out all of the disclosures and application docs for your loan just so that you can sign them, when all you’re going to do with the signed documents is either fax them back to us or scan them and upload them back to us? Read the rest of this entry »

During the course of processing of your loan, you will be asked to submit many documents to us; please follow these instructions to make sure that your documents are processed as quickly as possible. Read the rest of this entry »

Ethical Homes has a wide variety of lending options available for borrowers with low FICO scores. Read the rest of this entry »

At the Ethical Homes team at HomeFirst Mortgage Corp, we know that most good buyer agents out there already have relationships with lenders; we have agents on our team as well, so we know how important those relationships are, and wouldn’t want to step on them. We also broker our loans through dozens of wholesale lenders, though, so for many agents, we can supplement the offerings that their current lending partners provide, and help them close more transactions. Read the rest of this entry »

While most post-foreclosure properties (aka REOs) end up being owned by individual banks, many such properties actually end up being owned by FNMA (Fannie Mae); since Fannie is one of the major players in mortgage markets, preferred FannieMae lenders are allowed to offer a special HomePath mortgage product that makes the process of buying those Fannie-owned REOs. Read the rest of this entry »

Acquisition & Development loans of up to $500 million are available for commercial construction projects. Read the rest of this entry »