Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value.

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Rob Schmidt

Rob is here to assist you with your financing needs.  Beginning his financing career in 1985 in the Automotive business and moving forward into Residential Mortgages and Refinancing. His over 17 years as a finance professional insures you of easy, straight forward   Loan assistance.  You’ve got questions, Rob has answers.

Rob’s Promise to you .  It is my policy to provide pre-qualifications free of charge to all people serious about purchasing their new homes or vehicles, or desiring to save thousands of dollars through refinancing or debt consolidation. Furthermore, I believe that my clients are entitled to prompt, courteous, professional service.  If a refinance transaction is not in the client's best interest I will tell that client so.  I build my business primarily on the referrals of my clients, so I take customer service very seriously. Thank you for the opportunity to assist you in meeting your goals

You can reach Rob through the following website

http://www.810Loan.com  or by calling  408-810-5626

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An Adjustable Rate Mortgage

rremont Home Loan - Fremont Mortgage Loan - Fremont Home Loan - Fremont Mortgage Loan - Fremont Home Loan Home Equity Loans

 case-by-case basis

Introductory rate

Getting qualified before you apply for a loan can help you understand how much you can borrow.

, 125% Home Equity Loans, Home Improvement Loans, Home Equity Credit Line, Home Equity Loan Rates

Home Equity Loans, Second Mortgages, Debt Consolidation Loans, Home Loans, 125% Home Equity Loans, Home Improvement Loans, Home Equity Credit Line,800loan,877loan,888loan,810loan, Home Equity Loan Rates

I DON'T WANT TO "RECRUIT" YOU -
I WANT TO HELP MAKE YOUR BUSINESS SUCCESSFUL!"
--- Rob Schmidt

Homeowners with Adjustable Rate Mortgages

Second Mortgages, Debt Consolidation Loans, Home Loans, 125% Home Equity Loans, Home Improvement Loans, Home Equity Credit Line, Home Equity Loan Rates

We offer a variety of home loan programs including our best rate fixed loans

Do you have the facts about filing bankruptcy? The negative information that will be placed in your credit report will remain there for up to ten years, making it difficult, if not impossible, to obtain credit cards, a home or vehicle loan, or even financ

Need to consolidate some of your high interest debt or have you always wanted a pool in your back yard

Using the roof over one's head as collateral

Thinking about building a new deck

Whether it makes more sense to refinance and take cash out or borrow using a home equity loan depends on your financial goals

When you refinance

Depending on conditions in the interest rate market

"Roll-in" loans are available today

Cash out Re-financing

The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s

Don’t assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders

Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay

Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA

Escrow is the holding of money or documents by a neutral third party prior to closing

Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan

The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions.

Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount.

Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be

A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off the loan