Home Mortgage Lenders Hockessin 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 Hockessin and information on home mortgage rates, home loans, and mortgage calculators.

Gmac Mortgage LLC
(302) 428-3030
3710 Kennett Pike
Greenville, DE
 
First Mariner Bank
(888) 370-9677
3301 Lancaster Pike Ste 5B
Wilmington, DE
 
Delaware Financial Capital
(302) 266-9500
22 Polly Drummond Hill Rd
Newark, DE
 
Mortgage Network Solutions LLC
(302) 475-5508
2401 Pennsylvania Ave
Wilmington, DE
 
Gilpin Financial Services Inc
(302) 656-5400
1400 N Dupont St
Wilmington, DE
 
Allied Home Mortgage Capital Corporation
(302) 994-1040
1819 Newport Gap Pike Ste 2A
Wilmington, DE
 
Wachovia Bank Na
(610) 268-2201
102 Pennsylvania Avenue
Avondale, PA
 
Wilmington Mortgage Services
(302) 633-1660
2126 W Newport Pike Ste 200
Wilmington, DE
 
Sunset Mortgage Company Lp
(610) 558-2720
3 Dickinson Dr
Chadds Ford, PA
 
Freedom Mortgage Corporation
(302) 368-7100
111 Continental Drive Ste 217
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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