Home Mortgage Lenders Bear DE

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 Bear and information on home mortgage rates, home loans, and mortgage calculators.

Nvr Mortgage Finance Inc
(302) 369-6255
56 W Main St Ste 305
Christiana, DE
 
Equity One Inc
(866) 349-7588
1400 Peoples Plz Ste 201
Newark, DE
 
Jpmorgan Chase Bank Na
(800) 780-6962
200 Continental Dr Ste 405
Newark, DE
 
First Horizon Home Loan Corporation
(302) 456-0776
220 Continental Dr Ste 308
Newark, DE
 
Citicorp Trust Bank Fsb
(410) 443-3980
100 Commerce Drive
Newark, DE
 
Sunset Mortgage Company Lp
(302) 737-5853
56 W Main St Ste 107
Newark, DE
 
American Mortgage Express Corp
(302) 731-7150
262 Chapman Rd Ste 104
Newark, DE
 
Freedom Mortgage Corporation
(302) 368-7100
111 Continental Drive Ste 217
Newark, DE
 
Wells Fargo Bank Na
(302) 731-1400
111 Continental Dr Ste 102
Newark, DE
 
Suntrust Mortgage Inc
(302) 453-2350
200 Continental Dr Ste 207
Newark, DE
 

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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Delaware Mortgage Licensing Body

Website: banking.delaware.gov

Phone: (302) 739-4235

State: Delaware

Licensed By: Office of the State Bank Commissioner

Additional Info: Office of the State Bank Commissioner http://banking.delaware.gov/default.shtml (302) 739-4235 (DE is licensed through the NMLS)

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