Alpine Mortgage Planning
in Mortgage Brokers from Alpine Mortgage PlanningUnaffiliated
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Alpine Mortgage Planning Review
Where does Alpine Mortgage Planning do business?
Alpine Mortgage Planning is a mortgage broker with headquarters in Roseville, CA. It operates in 9 states.
The company was founded in 2002 and helps borrowers find a direct lender that will approve the loan amounts, rates, and terms they require.
How does Alpine Mortgage Planning get paid?
Mortgage brokers get paid either by lenders or by borrowers. However, they cannot receive compensation from both parties.
What fees does Alpine Mortgage Planning 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 Alpine Mortgage Planning charge broker administration fees?
No, Alpine Mortgage Planning does not charge a broker administration fee.
Does Alpine Mortgage Planning charge broker loan origination fees?
No, Alpine Mortgage Planning does not charge a broker loan origination fees.
Does Alpine Mortgage Planning charge broker upfront fees?
No, Alpine Mortgage Planning does not charge broker upfront fees.
Does Alpine Mortgage Planning charge a yield-spread premium?
No, Alpine Mortgage Planning 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.
What mortgage programs does Alpine Mortgage Planning offer?
Alpine Mortgage Planning 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%.
- 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 Alpine Mortgage Planning broker?Alpine Mortgage Planning works with the following types of mortgages:
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- New Hampshire
- New Jersey
- New York
- Rhode Island