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

Simmons First National Bank
(501) 541-1496
501 Main St
Pine Bluff, AR
Simmons First Mortgage Company
(870) 541-1471
501 Main Street
Pine Bluff, AR
First Arkansas Financial Inc
(870) 942-5050
101 N Rose St
Sheridan, AR
Bank Of America
(870) 541-8283
5801 Dollarway Rd
Mortgage Brokers

Premier Mortgage Funding
(870) 247-8500
6210 Dollarway Road
Mortgage Brokers

Jefferson County Public Fac Board
(501) 534-8121
Jefferson County Courthouse
Pine Bluff, AR
Pine Bluff National Bank
(870) 535-7222
912 S Poplar St
Pine Bluff, AR
Allstate Insurance Kellie Harris
(870) 534-4055
2007 W 28th Ave Suite #3
Pine Bluff, AR
Allied Capital Mortgage Corporation
(870) 534-0447
3000 South Olive Street
Mortgage Brokers

Mortgage Resource Center
(870) 540-0470
1307 South Holly Street
Mortgage Brokers

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.

Click here to read the rest of this article from Remodeleze.com