ERA Mortgages
Know what you can afford, Up Front.
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Before you look for your dream home, find out exactly how much house you can afford.
A quick phone call to us for a pre-approval decision can make a huge difference in your home-buying experience.
Once you're pre-approved, we'll fax or e-mail a letter with your loan amount and the mortgage program that best meets your needs. With that in hand, you'll have the buying power and confidence to make offers, negotiate, and even sign a contract to buy.
With you from pre-approval to closing.
Throughout your home-buying journey, we'll help you manage mortgage finanacing process - reducing your stress and bringing you home.
ERA Mortgage loan pre-approvals are reliable and trusted throughout the industry, because we take the time to evaluate data from all three credit agencies so you know how much house you can truly afford.
We offer a wide variety of loan products to meet your needs, and work hard to smooth the entire loan process and get you to closing on time. That's more than just a promise - it's a guarantee:
We'll give you a free, same-day loan decision - guaranteed - or pay you $250.
We'll meet your requested closing date, or we'll reduce your interest rate by 1/8 of one percent for the life of your loan*
You'll Breathe Easier - With ERA Mortgage at Your Side
We'll tell you if you can afford the house and then help you find the right financing to purchase your new home.
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A second opinion never hurts.
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A Mortgage just right for you. We make sure you find it.
Mortgages are the only thing we do, and we know all the options. So, even if you are already approved with another lender, there are many good reasons to get a reliable second opinion from ERA Mortgage.**
The mortgage market is changing - a second opinion gives you added assurance that your transaction will close.
Our Pre-Approval is reliable - We'll tell you up front exactly what you need to do to get to closing.
Rates are changing constantly - a second opinion from us could save you money
We guarantee an on-time closing - We'll meet your requested closing date, guaranteed, or we'll reduce your interest rate by 1/8 of one perecent for the life of your loan.*
Getting a second opinion is fast - and free.
We'll give you a free, same-day loan decision - guaranteed, and often in 20 minutes or less. It's the best way to make sure you're getting the most reliable - and most affordable - mortgage.
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FHA Financing - more convienient than others.
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Low Down Payments. Great Rates. Favorable Terms.
FHA loans are used most often by first-time home buyers and low-to moderate-income buyers, but are available to homebuyers at all income levels. You may find it easier to qualify for an FHA loan than conventional financing.
FHA Loans feature favorable terms that could be just what you're looking for:
Lower down payment requirements
More sources of funds allowed for closing costs, including gifts from family members, employers, or charitable organizations
No pre-payment penalties
More flexibility in calculating income and payment ratios
Why Choose FHA?
FHA loans are a wise choice if you have adequate income, but lack the down payment needed for a conventional loan. You may also qualify for an Energy Efficient Mortgage (EEM), which provides additional financing to make energy efficient improvements to your home.
FHA offers substantial discounts on Housing and Urban Development (HUD) homes to teachers, law enforcement officers, firefighters and EMTs through the Good Neighbor Next Door program.
ERA Mortgage is an FHA-Approved Lender.
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Guaranteed Satisfaction.
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Step into a Home Ownership with Confidence.
ERA Mortgage offers a wide variety of products, including programs that can reduce down payments and/or closing costs for those who qualify.
We'll also keep the process smooth and get you to closing on time. That's more than just a promise - it's a guarantee:
We'll give you a free, same-day loan decision - guaranteed - or pay you $250.
We'll meet your requested closing date,or we'll reduce your interest rate by 1/8 of one percent for the life of your loan*
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*Approved, conventional, purchase loans only. Excludes loans for REO homes. Void when delayed closing is required by law. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Timely request for adjustment under guaratee is required.
**This is not intended for customers with a final mortgage commitment or under a rate lock agreement.