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  Access Capital Group Mortgage Broker

Access Capital Group Mortgage Broker

in Mortgage Brokers from Access Capital Group · NMLS ID #33043

Unaffiliated

Access Capital Group Mortgage Broker

Unaffiliated

in Mortgage Brokers from Access Capital Group · NMLS ID #33043

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Highlights
Highlights
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Broker Loan Origination Fees Starting at 1%
Broker Fee Payer Both

Access Capital Group Mortgage Broker Review

Access Capital Group Mortgage Broker services are offered by Access Capital Group (NMLS #33043), a licensed broker founded in 2001 and based in Phoenix, AZ. Access Capital Group Mortgage Broker services are available in 11 states across the USA.

How does Access Capital Group Mortgage Broker get paid?

Mortgage brokers get paid either by lenders or by borrowers. However, they cannot receive compensation from both parties.

Access Capital Group offers lender and borrower-paid fee models. Borrowers can choose which model works best for their circumstances. Typically, lender-paid compensation rates result in higher fees for borrowers. However, borrower-paid rates increase the upfront costs of getting a mortgage.

What fees does Access Capital Group Mortgage Broker charge?

Although cost should not be the only factor when choosing mortgage brokers, it is smart to compare the rates, fees, and services mortgage brokers offer before making a decision.

Does Access Capital Group Mortgage Broker charge broker administration fees?

No, Access Capital Group Mortgage Broker does not charge a broker administration fee.

Does Access Capital Group Mortgage Broker charge broker loan origination fees?

Yes, Access Capital Group Mortgage Broker charges borrowers a broker loan origination fee starting at 1%.

Does Access Capital Group Mortgage Broker charge broker upfront fees?

No, Access Capital Group Mortgage Broker does not charge broker upfront fees.

Does Access Capital Group Mortgage Broker charge a yield-spread premium?

No, Access Capital Group Mortgage Broker does not receive a yield spread premium from borrowers. Brokers that are paid a yield-spread premium from lenders have an incentive to steer borrowers to lenders thatt offer higher yield-spread premiums even if they qualify for a lower interest with another lender. This is not always bad for borrowers as it can lower the upfront costs of a mortgage. For instance, borrowers who only plan to hold a mortgage for a few years may find this option cheaper.

Access Capital Group Mortgage Broker Fees
Description
Broker Loan Origination Fees Starting at 1%
Broker Upfront Fees N/A
Broker Administration Fees N/A
Yield-Spread Premium N/A

What mortgage programs does Access Capital Group Mortgage Broker offer?

Access Capital Group Mortgage Broker offers the following mortgage programs:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What types of mortgage does Access Capital Group Mortgage Broker broker?

Access Capital Group Mortgage Broker works with the following types of mortgages:
Interest Rate Types Offered Options
Supported Options Unsupported Options
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
  • Hybrid Mortgage
  • Option ARM
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About Access Capital Group Mortgage Broker

Availability

  Available in 11 states
  • Arizona
  • California
  • Colorado
  • Florida
  • Idaho
  • Minnesota
  • New Mexico
  • Oregon
  • Utah
  • Washington
  • Wyoming

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