Qualified Mortgage
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Choose your Own Rate!
New Law gives you the ability to Choose your Own Mortgage Rate!
NO JOKE - GET THE FACTS AND CHOOSE YOUR OWN RATE!
Did you know that mortgage rates are made available much like merchandise - either at wholesale or retail pricing? This difference in rate is paid out in actual dollars as Rebate, Yield Spread Premium (YSP), or Service Release Premium (SRP).
HUD's new RESPA and GFE law make this Rebate the Borrower's money! That's the driving force behind “Choose Your own Rate” - the availability of these Rebate dollars and the understanding that this is your money! This can’t be stressed enough...Rebate/Yield Spread Permium is your money! You Choose your Own Rate based on how much, or little of these rebate dollars you'd like to receive!
Despite this new law however, most brokers, and all retail banks and lenders, offer rates to their clients without disclosing the Rate and Rebate dollar options available to them. They just automatically keep these Rebate dollars as part of their own compensation. In fact, the law says that retail banks and lenders don’t have to disclose Rebate/ YSP/SRP at all. These retail banks and lenders don’t even acknowledge that Rebate/YSP/SRP exists! The new RESPA and GFE law gives them a complete pass on this. This is why you need to work with Jon and Qualified Mortgage - licensed professionals who specialize in serving the client's needs - who provide you with the information the big banks won't! The information that enables you to save money and get the loan that's in your best interest!
Fill out the above form to find out the RATE AND REBATE information the big mortgage banks and lenders don't want you to see! This is the info that will allow you to save money and CHOOSE YOUR OWN MORTGAGE RATE!
Jon Berry of Qualified Mortgage has been providing mortgage services to Arizona families and individuals since 1993. Jon is a licensed Arizona mortgage broker and loan originator.
Qualified Mortgage is a BBB Accredited A+ Rated Company.
Testimonials
"Jon was the original broker of my mortgage as well as my re-fi. Jon is quick to respond to requests and always has suggestions on how to best accomplish your goals. He eases you through the process with his knowledge and by keeping you informed throughout the deal. Without hesitation, I would recommend Jon to anyone wishing for a seamless transaction with the most desirable outcome!" - Brigitte D
"Jon is the best mortgage broker I've ever worked with. I've used quite a few brokers over the years and Jon's ability to discern my needs and close the deal has him running circles around the other guys. If you want someone who really knows mortgages call Jon Berry." - Mark S
"I'd put off doing my re-fi because I didn't think I had the time, but Jon made the process very easy! I was surprised how quickly it was all taken care of, and I didn't have to run all over town to fill out paperwork or sign documents. Jon was very patient in answering all my questions and the process seemed much less complicated to me than it had when I'd re-financed with others in the past." - Denise M