Home Mortgage Lenders Rogers AR

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

Advantage One Mortgage Brokers Inc
(479) 636-4512
201 South 19Th St Suite J
Rogers, AR
Simmons First National Bank
(479) 621-0900
111 North Eighth Street
Rogers, AR
First Security Bank Searcy
(501) 246-7000
3901 W Walnut St
Rogers, AR
Bank Of Rogers
(501) 621-6805
1205 W Walnut
Rogers, AR
Gateway Mortgage Group LLC
(479) 273-1260
615 N Walton Blvd Ste F
Bentonville, AR
Vision Inc
(479) 633-0272
3606 Southern Hills Blvd
Rogers, AR
Valley State Bank
(479) 246-6040
2718 W Walnut St
Rogers, AR
Anb Financial National Association
(501) 619-2300
100 South 28Th Street
Rogers, AR
Arvest Mortgage Company
(479) 770-8540
106 Parkwood St
Lowell, AR
Anb Financial National Association
(501) 273-3151
706 S Walton Blvd
Bentonville, AR

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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