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  Alpine Mortgage Services

Alpine Mortgage Services

in Mortgage Brokers from Alpine Mortgage Services LLC · NMLS ID #56905

Unaffiliated

Alpine Mortgage Services

Unaffiliated

in Mortgage Brokers from Alpine Mortgage Services LLC · NMLS ID #56905

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Highlights
Highlights
Interest Rate Types Offered
  • Hybrid Mortgage
Broker Loan Origination Fees N/A
Broker Fee Payer Lender

Alpine Mortgage Services Review

Alpine Mortgage Services services are offered by Alpine Mortgage Services LLC (NMLS #56905), a licensed broker founded in 2002 and based in Rochelle Park, NJ. Alpine Mortgage Services services are available in 5 states across the USA.

How does Alpine Mortgage Services get paid?

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

Alpine Mortgage Services LLC gets paid by lenders. Lender-paid compensation is the most common fee model among mortgage brokers. This fee model can help bring down the upfront costs to borrowers. However, it also gives brokers the incentive of promoting lenders that pay higher commissions.

What fees does Alpine Mortgage Services 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 Services charge broker administration fees?

No, Alpine Mortgage Services does not charge a broker administration fee.

Does Alpine Mortgage Services charge broker loan origination fees?

No, Alpine Mortgage Services does not charge a broker loan origination fees.

Does Alpine Mortgage Services charge broker upfront fees?

Yes, Alpine Mortgage Services charges borrowers an upfront fee starting at $350.

Does Alpine Mortgage Services charge a yield-spread premium?

No, Alpine Mortgage Services 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.

Alpine Mortgage Services Fees
Description
Broker Loan Origination Fees N/A
Broker Upfront Fees Starting at $350
Broker Administration Fees N/A
Yield-Spread Premium N/A

What mortgage programs does Alpine Mortgage Services offer?

Alpine Mortgage Services 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%.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • 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 Services broker?

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

Availability

  Available in 5 states
  • Connecticut
  • Florida
  • New Jersey
  • New York
  • Pennsylvania

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