Mortgage Loans and Service With A Difference

Focused Financial Solutions partners on mortgage loans with Wells Mortgage Company. In the Mortgage Industry for over 15 years, Wells Mortgage Company brokers mortgage loans through over one hundred mortgage lenders. Let them find the best mortgage product for you.

Advantages of working with Wells Mortgage Company

  Direct lender and broker

  Never tied to any one lender (affiliated with over 125 lenders)

  Work with all banks from national to regional to local

  Always the best rates and closing costs plus any other product advantages for each client

  Broadest range of loan products offered

  $500 guarantee on lowest rate and closing costs

  Rate buy down programs (temporary or permanent)

  Loans to borrowers residing in any of the 50 states

Loan Poducts

  Modular home financing

  Condominiums

  FHA

  First time buyer programs

  Conventional

  Jumbo

Unique Product Features

  Financing for upgrades included in loan

  Rate locks for up to one year

  Free float down option

  No PMI on loans up to 95% LTV

  No loan application fees

  No closing costs programs

  Online application process

  Free pre-qualification within 15 minutes

Refinance Rate/Term

New Purchases

Notes

(1) FHA does not have a minimum credit score for refinances.

(2) Conventional loans may have a stated minimum credit score, but this is only one factor in underwriting and other elements can offset a buyer’s ability to qualify for a loan.

(3) CLTV only comes into play when subordinate financing is involved. All subordinate financing requires review and approval by the lender on a case-by-case basis.

Qualifiers

Subject to change without notice. Mortgage loans are virtually in a constant state of flux in today’s world. Not only interest rates, but LTV and credit score underwriting factors can change as frequently as daily. In addition, lenders can discontinue or launch new loan products with little to no advance notice.