Home Mortgage Lenders Lincoln RI

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

Integrated Mortgage Solutions Inc
(401) 475-8850
614 George Washington Hwy
Lincoln, RI
 
Bank Of America Na Charlotte
(401) 642-6101
670 George Washington Hwy
Lincoln, RI
 
Stockton Turner LLC
(401) 475-1841
977 Dexter Street
Central Falls, RI
 
Carteret Mortgage Corporation
(401) 405-0372
10 Nate Whipple Hwy
Cumberland, RI
 
Island Creek Mortgage Corporation
(401) 490-4930
141 Power Rd Suite 202
Pawtucket, RI
 
Allied Home Mortgage Capital Corporation
(401) 475-0400
652 George Wash. Hwy Ste 2R
Lincoln, RI
 
Mortgage Amenities Corp
(401) 334-1648
25 Blackstone Valley Place
Lincoln, RI
 
Providence Mortgage Corp
(401) 658-2097
100 Scenic View Drive Ste 103
Cumberland, RI
 
Mr. Michael W. Aragao (RFC®), MBA
(401) 475-7570
2374 Diamond Hill Rd #3B
Cumberland, RI
Company
M.W. Aragao Investment Advisors
Qualifications
Education: BSBA, MBA
Years of Experience: 10
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, CD Banking, Annuities, Life Insurance, Business Coach, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided By:
Homestar Mortgage Inc
(401) 454-3300
220 Smith St
Providence, RI
 
Data Provided By:

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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Rhode Island Mortgage Licensing Body

Website: www.dbr.ri.gov

Phone: (401) 462-9503

State: Rhode Island

Licensed By: Rhode Island Dept. of Business Regulation Division of Banking

Additional Info: Rhode Island Dept of Business Regulation Division of Banking (401) 462-9503 http://www.dbr.ri.gov/divisions/banking/(RI is licensed through the NMLS)