
Access Capital Group Mortgage Broker
in Mortgage Brokers from Access Capital Group
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Broker Fee Payer | Both |
Broker Loan Origination Fees | Starting at 1% |
NMLS # | 33043 |
Type of Mortgage |
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Access Capital Group Mortgage Broker Review
Where does Access Capital Group Mortgage Broker do business?
Access Capital Group Mortgage Broker is a licensed mortgage broker (NMLS# 33043) with headquarters in Phoenix, AZ. It operates in 11 states.
The company was founded in 2001 and helps borrowers find a direct lender that will approve the loan amounts, rates, and terms they require.
How does Access Capital Group 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 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 does not charge a broker administration fee.
Does Access Capital Group charge broker loan origination fees?
Yes, Access Capital Group charges borrowers a broker loan origination fee starting at 1%.
Does Access Capital Group Mortgage Broker charge broker upfront fees?
No, Access Capital Group does not charge broker upfront fees.
Does Access Capital Group charge a yield-spread premium?
No, Access Capital Group 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.
Description | |
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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 broker?
Access Capital Group works with the following types of mortgages:Supported Options | Unsupported Options |
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Contact
- Headquarters
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202 E. Earll Drive Suite 460
Phoenix, AZ 85012 - (866) 204-4088
- Visit Site
About Access Capital Group Mortgage Broker
Availability
- Arizona
- California
- Colorado
- Florida
- Idaho
- Minnesota
- New Mexico
- Oregon
- Utah
- Washington
- Wyoming
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