About Bridgeview Mortgage Inc.
Your Trusted Partner in Home Financing – Expert Guidance for Your Mortgage Journey
Welcome to Bridgeview Mortgage Inc., your reliable partner for all your home financing needs! We understand that purchasing a home is one of the most significant financial decisions you’ll make, and we’re here to help you navigate the mortgage process with confidence and ease.
Whether you’re a first-time homebuyer or seeking to refinance your current mortgage, we offer a wide variety of loan programs to cater to your unique needs and financial goals.
Loan Programs We Offer
1. Fixed-Rate Mortgages.
Ideal for homeowners who prefer consistent monthly payments, fixed-rate mortgages come with an interest rate that doesn’t change over the life of the loan.
2. Adjustable-Rate Mortgages (ARMs).
With an ARM, the interest rate may change periodically based on market conditions, but typically start with a lower rate than fixed-rate mortgages, making them an attractive option for borrowers who plan to sell or refinance their home within a few years.
3. FHA Loans.
Backed by the Federal Housing Administration, these loans offer more flexible credit requirements and down payment options, making them an excellent option for first-time homebuyers.
3. VA Loans.
Guaranteed by the Department of Veterans Affairs, VA loans provide competitive interest rates and no down payment requirements for eligible veterans and active-duty service members.
4. Jumbo Loans.
If you’re planning to buy a higher-priced home, our jumbo loan program offers flexible loan options for amounts that exceed conventional loan limits.
4. Heloc & Seconds.
HELOC, or Home Equity Line of Credit, and 2nd mortgages are loans that allow homeowners to borrow against their home’s equity.
5. Bank Statement Loans
These loans are specifically designed for self-employed borrowers who have difficulty documenting their income using traditional methods. The lender uses bank statements instead of tax returns to assess the borrower’s ability to repay the loan.
6. Asset-Based Loans.
These loans are secured by the borrower’s assets (such as stocks, bonds, or other investments) instead of their income or credit history. This can be an excellent option for borrowers with high net worth but inconsistent income.
6. Foreign National Loans.
Available to non-U.S. citizens who are interested in purchasing a home in the United States, the requirements for these loans vary based on the borrower’s country of origin and other factors.
6. Non-Warrantable Condos.
Condos that don’t meet Fannie Mae or Freddie Mac guidelines are considered “non-warrantable.” Non-QM lenders can provide loans for these properties, making it an excellent option for borrowers who want to purchase a condo that doesn’t meet traditional requirements.
6. Interest-Only Loans.
These loans allow borrowers to make interest-only payments for a specific period (typically 5-10 years) before the loan converts to a traditional amortizing loan. This can be an excellent option for borrowers who need lower payments in the short term.
6. Hard Money.
A hard money loan is a type of loan that is secured by real property and typically has a short repayment period and high interest rates.
Principles Of Our Work
Transparency:
A mortgage company should strive to be transparent in all its dealings with clients, from loan terms and conditions to fees and charges. It should provide clear and concise information about the mortgage process, so clients can make informed decisions.
Fairness:
A mortgage company should treat all clients fairly and equitably, regardless of their race, gender, religion, or sexual orientation. It should provide equal access to mortgage loans and ensure that loan terms and conditions are based on objective criteria and not discriminatory practices.
Responsibility:
A mortgage company has a responsibility to ensure that its clients can afford to repay their mortgage loans. It should follow responsible lending practices, such as verifying income and employment, and assessing a client's creditworthiness before approving a loan. It should also provide education and resources to help clients make informed decisions about their finances.
About Company Founder
Harold McCray
Broker
Welcome to our company!
We’re excited to help you navigate the mortgage process and find the perfect loan for your needs.
At Bridgeview Mortgage Inc. we believe that every borrower is unique, and we’re committed to finding the right loan program to meet your specific needs. Our team is dedicated to providing you with clear and concise information about the mortgage process, including loan options, interest rates, and fees.
Contact us today to learn more about our loan programs and get started on your mortgage journey!