Home Mortgage Lenders Bangor ME

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Bangor and information on home mortgage rates, home loans, and mortgage calculators.

Dedicated Mortgage Associates LLC
(207) 945-0100
277 State Street Suite-3B
Bangor, ME
 
Bangor Savings Bank
(207) 942-5211
19 Maine Avenue
Bangor, ME
 
Bank of America - Bangor
(800) 432-1000
1176 Union St
Bangor, ME
Type
Banking Center
Services
Banking Center Services: Commercial Deposits, Drive Up
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Multi-Check Deposit, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-4
Saturday 9-12
Sunday Closed
Drive Up Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-4
Saturday 9-12
Sunday Closed

Maine Home Mortgage
(207) 942-8378
128 Hammond Street
Bangor, ME
 
Bank of America - Stillwater Ave
(800) 432-1000
765 Stillwater Ave
Bangor, ME
Type
Banking Center
Services
Banking Center Services: Commercial Deposits, Night Deposits
Indoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Multi-Check Deposit, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-4
Saturday 9-12
Sunday Closed

First Horizon Home Loan Corporation
(207) 941-1700
1 Merchants Plz Ste 400
Bangor, ME
 
Cuso Mortgage Corp
(207) 862-2876
101 Western Avenue
Hampden, ME
 
Bangor Savings Bank
(207) 942-5211
19 Maine Ave
Bangor, ME
 
Patterson Associates
(207) 945-9300
96 Harlow Street
Bangor, ME
 
Downeast Capital
(207) 990-0996
23 Water Street Suite 202
Bangor, ME
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Maine Mortgage Licensing Body

Website: www.maine.gov

Phone: (207) 624-8500

State: Maine

Licensed By: Dept. of Professional & Financial Regulation

Additional Info: Dept. of Professional & Financial Regulation (207) 624- 8500http://www.maine.gov/pfr/index.shtml