Karen George

Home Loans in AZ, CA, NM, UT, CO, WY and MI

We think every mortgage company should have a pledge, a promise they make to their clients and to themselves-- promises that are never broken under any circumstances. We do not consider this "corny" or some slick method of advertising. All of our loan officers live by this pledge (at least while at work) and we take it very seriously. This is primarily due to the fact that these fundamental principals have proved to be very rewarding to this mortgage company's success. As it turns out, honesty is still the best policy.

This is who we are, summed up as best we know how, into seven easy-to-understand, fun-to-read, bullet points:

Our Pledge to You

* To be completely honest with our clients at all times. Good news or not-so-good, we are going to be honest and forthright with you throughout the entire loan process.

* No closing table surprises, ever. We will keep you up to date on your loan's progress. We have heard so many horror stories regarding "last minute changes" to mortgage loan interest rates and closing costs. We would expect you to report us to the BBB and the Arizona Department of State Banking if we behaved dishonestly.

* We are not home loans "salespeople". You won't have to bargain with us like you would with other lenders. (And if you haven't bargained with other lenders, you might have made a mistake.) We are mortgage professionals, and we take pride in that. We find the best rate for your home loan and we put it on the table from the beginning. If you find a better offer on your home loan, take it! We don't believe that consumers should have to bargain for their mortgage. Whether you've done this a dozen times or are a first-time homebuyer, we will treat you as you should be treated- with honesty.

* If you are want to refinance your mortgage, we will lock in a rate for you the day we take your home loan application (in person or on the telephone). However, if rates drop before you close, we will provide a new loan lock with the new lower interest rate. Ask other mortgage companies if they will do that for you! (This offer is usually not valid for new home purchases, due to the time restraints of a purchase contract.)

* We promise to search the country to find the lowest mortgage rates for our clients. We are brokered with over 100 wholesale lenders. We constantly monitor all of our wholesale lenders to make sure we can offer the best rates in the country.

* National Wholesale Mortgage, (the Karen George branch only), will donate $200 from every home loan that we fund to breast cancer research. We believe in giving back to the community that has treated us so well. The Karen George branch can be reached at 877-551-8188, ext 83

* To always honor God in everything that we do.

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Mortgage Loans Broker vs. Bank:

National Wholesale Mortgage has every type of home loan that your local bank has, plus so much more. Remember, we shop the country for the banks that will offer us the best mortgage rates for our clients.

1. Even if you are a first time homebuyer with very little or even no "established" credit, we can likely help you purchase a home. It is even very possible that you can get your new home loan with no money down. Please call us at (877) 551-8188 and press "1" to speak to a home loan professional immediately. Believe it: There are many people who don't think they could qualify for a home loan and many of those people are mistaken.

2. We have many home loan programs that are ideal for self-employed borrower, in fact, there are too many to list here. If you are self-employed and you need a home loan or a home equity line of credit, contact Karen George directly to discuss your individual needs. (It would be helpful if you had your business and personal tax returns in front of you when you called, but if you want to "ballpark it", we can do that too.) If it can be done, loan-wise, than we can do it.

3. We offer oustanding rates and terms for jumbo mortgage loans. We are, undoubtedly, the best choice for jumbo mortgage loans if saving money is a priority for you. Why is that? Read on!

To be extremely competitive, we decrease the percentage of our revenue in proportion to the size of our loan. That way, we earn about the same amount of money, be it jumbo mortgage or a $200,000 condo loan. We don't think you should have to pay double the loan fees, just because your home loan amount starts with a "5" instead of a "3." Basically: we work on a sliding scale commission to be sure that we leave our competition in the dust. This is great news for the jumbo mortgage loan client. The fact of the matter is that the greater your loan amount, the less (percentage wise) we are going to charge you. Isn't that fair?

4. We can be reached on weekends- call the office cell at (480) 250-4901

5. None of our Fannie Mae home loan programs have a pre-payment penalty. We only offer "pre-pays" in the case that the borrower can't qualify for any other type of loan. ("Bad credit" loans often come with early payoff penalties.)

6. We offer a 10-year interest-only ARM that is extremely popular with our investors right now. It is a Fannie Mae loan and allows the buyer secure, low, interest-only home loan payments, but leave the principal intact. The lower, interest-only payment allows our client's renters to cover the mortgage payment- and our client rides the climbing equity for 10 years. We love this loan.

Please call us for more information; we are here to help people. If we did not like to help people, we would work for the Department of Motor Vehicles.

Call us at (877) 551-8188 - press "1" to bypass the voicemail system and speak to a mortgage professional immediately. (We hate those robotic greeting systems also!) Please dial 83 for my extension.

Home Loans Provided in the following areas:

We started out in the Grand Canyon State, the beautiful and talented Arizona, but we just keep expanding. If you don't see your state listed below, feel free to email Karen and we can probably refer you to a mortgage company that we trust as having a good reputation. [ California ] [ Colorado ] [ Michigan ] [ New Mexico ] [ Utah ] [ Wyoming ]

Soon, you'll be able to click on the flags above for some outstanding resources for that particular state!

Hey, are you new to Arizona? Check out this guide for driving in the East Valley, Maricopa County, AZ.

Where are we licensed to provide home loans? National Wholesale Mortgage provides mortgages all across the state of Arizona. In addition, over the past several years, we have expanded our operations into California, New Mexico, Utah, Iowa, Michigan and Colorado.

Looking for a California refinance? We can take your CA refinance application over the telephone in about 15 minutes.

Need a Utah new home loan or Utah refinance or Utah mortgage of any sort? We love Utah. We love it so much, we are going to give you a better mortgage deal than any other Utah Mortgage Company, period.

Just call us, toll free, at (877) 551-8188. You can press "1" when you hear the voicemail system welcoming you...and get a loan professional on the telephone right away.

National Wholesale Mortgage, Inc. is an Equal Housing Lender. Arizona License #MB-0902107.

© Copyright © 2007, By Karen George and Arizona Wholesale Mortgage Incorporated.