Serve-U-Best Mortgage,LLC

Welcome to Serve-U-Best Mortgage

Here at Serve-U-Best Mortgage, LLC, we don't quote you a loan program until we understand your goals. We fund loans with many different credit and employment profiles. The majority of the lenders, in the industry, will quote you a rate up front without really listening to your needs. We structure first mortgages refinances, home purchases, seconds, equity lines and equity loans with any type of unique twist.

Since we have access to hundreds of different loan structures, we are not restricted to just one type of product-line like many banks. We are able to search the entire nation for the right loan package that meets your particular needs. We are not strictly a mortgage loan sales office. We diligently structure the proper loan package(s) to match our client's ultimate goals, what ever they may be.

This is why we need to know exactly what your specific financial goals are; and then make it happen. No two clients are alike. It does not matter what type of credit or financial situation you're in. We Can help! Remember, each individual is unique in their own financial condition. Even if you were turned down somewhere else you still need to talk with us to get the true perspective. We offer products many lender don't even offer!

My Service Commitment to You

I am honest

I have a strong work ethic

I am VERY GOOD at what I do

I will always answers your questions and concerns

I do not disappear when escrow opens

I do not disappear when escrow closes... If we need to close an escrow, I will be there to help with the details

I will call/email you back

I will be on top of the issues of our transaction

I will be there to handle any/all problems

I am very good at problem solving

I will tell you the truth... not just what you want to hear

I will take responsibility for my mistakes

I have excellent follow through

I am professional, and will treat you and everyone involved with professionalism

Our products include:

Conventional Loans
Up to $510,400.00
As little as 3% down
First time homebuyer options
Option of NO mortgage insurance
Credit score down to a 620

FHA loans:
Only 3.5% down payment (which can be gifted)
Credit scores down to 640.
Need a Co-signer, that's ok
Higher debt ratios are allowed as well
Have you had a Chapter 7 bankruptcy, just need to wait 2 yrs or,
Had a foreclosure, then it's a 3 year wiat.

VA Mortgage:
NO DOWN PAYMENT REQUIRED
No mortgage insurance
Your closing costs can be finaced
Bankruptcy and foreclosure only needs a 2 yr wait

USDA LOANS
No down payment required
Flexible credit and qualifying guidelines
Competitive 30 year fixed rates
Closing costs can come from any source, including the seller and/or gift funds
Repairs and improvments can be included in the loan.
Not limited to First Time Home Buyers
Location and income limits do apply

Term	Rate	Apr
30 Yr Fxd	3.010%	3.250%
30 Yr Fxd FHA	2.590%	3.490%
15 Yr Fxd	2.300%	2.620%
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