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Lenders may ask for personal and financial information on which to base your loan. However, federal law prohibits lenders and protects homebuyers from discrimination based on sex, race, color, national origin, age, marital status, handicap, receipt of public assistance or familial status (such as having children under 18 years of age).

If a lender discourages a mortgage loan or asks for this information, know that you are protected and deserve fair credit terms based on the Equal Credit Opportunity Act. Under these laws, an applicant cannot be refused a loan, charged more for a loan or offered less favorable terms than others with equal standings based on the above characteristics.

It is always a good idea to shop around and gain quotes from several lenders. Delta Prime helps home buyers save time and money by simplifying the information gathering process. As an online service, Delta Prime offers potential home buyers greater protection from unfair and unlawful discrimination based on sex, gender, age, disability, etc.

When you enter your information and request for lending information at Delta Prime, you will quickly see loan offers from dozens of the nation’s leading lenders. Comparison shopping will not only educate you with the rates that are available, but can help build your confidence for making the right decision regarding a home mortgage loan that will affect you and your family for years to come.

Delta Prime makes it easy to help you compare offers. The process is fast, free and with no obligation.
So what are you waiting for? Get educated and compare offers today!

 

*About Our Advertised Rates

Fixed Interest Rates
- Our advertised fixed interest rates are based on a 15-year fixed-rate loan with a loan-to-value ratio of less than 80% and are current as of Mar 8th, 2010. The Annual Percentage Rates (APRs) of the loans will be slightly higher.
-Loans may carry closing costs and/or origination points. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, property location, type of property, and other factors. We arrange but do not make loans.

Adjustable Interest Rates and Advertised Payment Terms
-Our advertised adjustable interest rates are based on a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term and are current as of Mar 10th, 2010.
-For a $200,000 loan, the initial interest rate is 3.500% for 5 years with 1.625 discount points due at closing. There is a 3.44% APR with an initial monthly principal and interest payment of $898 for the first 5 years. After a period of 5 years, the potential interest rate is estimated at 3.125% with an estimated monthly payment of $863.
-An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
-Your interest rate is fixed for the first 3, 5, or 7 years of the loan repayment period, depending on the type of ARM you have.
-After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets.
-Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if your initial interest rate is 4.5%, your rate will never be higher than 9.5%, and never rise more than 2% per year.
-Actual mortgage payment will vary based on your situation and the current interest rate when you apply.
-Not all consumers will be matched to a lender that is able to supply the advertised rates.
- Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
-The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
-May not be available in all states.
-Available rates and payment terms are subject to change daily without notice.
-Payment amounts shown do not include taxes or insurance.
-The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.

 

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