| Welcome - Virginia Richard |
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 Millennium Financial is an Illinois mortgage company.
Millennium Financial Group ("Millennium Financial"), is a licensed mortgage broker specializing in hard to finance loans. We have experienced loan officers and processors working hard to get you financed! Whether residential, commercial, multi-unit, or investment property, Millennium can get you financed. Bankruptcies and foreclosures are no problem! Debt consolidation, refinancing or home equity loans are just a click away! Make your next loan experience an enjoyable one! Call us today for a free, no obligation consultation or apply online. |
| Millennium Financial Services |
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Millennium Financial Group an Illinois & Indiana Residential Mortgage Licensee that can help you get the loan to purchase your new home regardless of past credit history.
WE SPECIALIZE IN CREDIT PROBLEMS AND HARD TO FUND LOANS. LET OUR COURTEOUS AND EFFICIENT STAFF ASSIST YOU WITH THE PROGRAM THAT WILL SATISFY YOUR MORTGAGE NEEDS. |
| Millennium Financial Programs |
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Millennium Financial Group, an Illinois & Indiana Residential Mortgage Licensee has the right program for you.
Programs included: 100% CLTV, 95% LTV,Government (FHA / VA)125% Program, Desktop underwriting for faster loan approval, No-Income verification loans.
FHA - (Federal Housing Administration, a division of the Department of Housing and Urban Development.) FHA has instituted maximum amounts that co-ordinate with geographical locations. The FHA does not lend money; its primary duty is to insure or guarantee the money that is being borrowed. FHA also extends greater flexibility in terms of income and credit history, as well as requiring a lesser down payment or none at all.
VA - (Veterans Administration) VA's main interest is to make available moneys for the Veteran borrower and/or their spouse. VA does not lend the money, but it insures their veteran's loan. The maximum loan amount available for a VA loan is $207,000. VA also offers a "streamline refinance" which makes it very easy for the customer to refinance their existing mortgage without the hassle or pre-qualification and loads of paperwork.
Have your closing costs paid!
So Hurry Don't Delay any longer.
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| Items To Speed Up The Mortgage Process |
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Be prepared to provide the following typical items:
1. The final purchase contract for the house (not applicable if refinance).
2. Pay stubs for each applicant showing earnings for the last 30 days and year-to-date earnings. (These must be computer-generated or typed originals that identify the employer and the employee's name.)
3. Last year's W2 (employee) and 1099(self-employed) for each applicant. If you're self-employed, You may be need your personal and business tax returns for the previous two years and your company's year-to-date Profit and Loss statement.
4. Account numbers for all bank accounts, along with account statements for the past two months.
5. Evidence of your mortgage or rental payments, such as canceled checks.
6. Proof of insurance (coverage page only)
7. An irrevocable gift letter if you are receiving a monetary gift from a relative.
8. An e-mail address to receive your loan documents by e-mail.
9. An appraisal on the subject property (must be pre-paid).
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