Home Mortgage Lenders Lake Havasu City AZ

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 Lake Havasu City and information on home mortgage rates, home loans, and mortgage calculators.

Home123 Corporation
(928) 854-9400
309 Lake Havasu Ave S Unit 100
Lake Havasu City, AZ
Inter Mountain Mortgage
(520) 855-1777
1674 Mc Culloch Boulevard
Lake Havasu City, AZ
First Arizona Savings Ala
(602) 855-0999
89 Civic Center Blvd
Lake Havasu, AZ
River Valley Mortgage Company
(928) 854-5363
157 Paseo Del Sol
Lake Havasu City, AZ
Academy Mortgage LLC
(928) 854-6380
2159 Mcculloch Suite-4
Lake Havasu City, AZ
American Financing Corp
(928) 854-6380
2159 Mcculloch Blvd Suite-4
Lake Havasu, AZ
Amerihome Mortgage Co LLC
(928) 854-6380
2159 Mcculloch Blvd N
Lake Havasu City, AZ
C And G Financial Services
(928) 854-6380
2159 Mcculloch Boulevard
Lake Havasu City, AZ
First Bank Of Arizona Na
(928) 854-4000
2167 Mcculloch Blvd N # A
Lake Havasu City, AZ
First Horizon Home Loan Corporation
(928) 981-9198
231 Swanson Ave
Lake Havasu City, AZ

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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Arizona Mortgage Licensing Body

Website: www.azdfi.gov

Phone: (602) 771-2800

State: Arizona

Licensed By: Arizona Dept. of Financial Institutions

Additional Info: NMLS -AZ Dept. of Financial Institutions (602) 255-4421 http://www.azdfi.gov/index.html contact: licensing@azdfi.gov (AZ is licensed through the NMLS)