Ready to start the home-financing process?
At NexTier, we have taken the mystery out of approving and closing a home loan. Click here for a link to our mortgage calculators.
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Fixed Rate Mortgages
As the most popular mortgage program for homebuyers, a fixed rate mortgage offers the stability and consistency of predictable monthly payments for the life of the loan. It may be a good choice for people who expect to live in a home for an extended period of time, or who want to lock in current low interest rates. With a fixed rate mortgage, payments remain constant, allowing you to plan and budget without worrying about potential interest rate fluctuations.
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Interest Only Mortgages
This type of mortgage gives you the flexibility to manage your payments to coincide with fluctuations in your income and expenses during the first ten years. You pay interest only during the first ten years. The principle is amortized over the last twenty years of the loan. The lower payment during the first ten years allows you to invest the difference for tomorrow. There are no restrictions on principle reductions at any time.
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Adjustable Rate Mortgages
With a typically lower mortgage payment, Adjustable Rate Mortgages (ARMs) are an increasingly popular alternative to the conventional fixed rate mortgage for homeowners trying to get the most home for the lowest payment. The downside of the lower payment is a potential increase in the monthly payment over time, if interest rates rise. Therefore, ARMs are most appropriate for people who anticipate an increase in their income during the life of their loan, or who plan on moving in five to seven years.
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No Money Down
This type of loan works best for customers with no funds available or those with investments that they don't want to cash in at the current time. This type of loan can be a viable option to help you purchase your new home with little or no down payment.
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Less than Perfect Credit Loans
Situations can occur that may cause you to get behind on your payments or get over-extended with your credit cards. It can happen to anyone! Chances are, we can help you regardless of your credit history. What differentiates us from other banks is that we will work to help you get back on track. .
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NexTier has the tools and assistance you need to secure a mortgage quickly and conveniently.Call for details 1.800.262.1088.
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NexTier INSURANCE
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NexTier Insurance offers all types of personal lines insurance, including homeowners policies and coverages inlcuding umbrella, auto, and many more.
Call 1-877-467-7767 to consult with a NexTier Insurance representative.
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Credit Report
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Monitored Credit Report Service
Free Credit Reporting |
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