Carlton Home Mortgage, L.L.C.
Carlton Home Mortgage, L.L.C.
Mission Statement

 

Carlton Home Mortgage, L.L.C. is a full service mortgage broker with it's office located in Linden, Alabama. It is our goal to build and develop relationships with our clients that are professional and last for a lifetime.

Statistics tell us that not everyone is perfect and people do have unplanned changes in their lives. Do not disqualify yourself until you have tried us. If you have had any of the following things change in your life we can still help:

Carlton Home Mortgage, L.L.C. is a licensed mortgage broker. Our business is to help you find the most cost effective way to meet your home financing goals, whether purchase or refinance. We do that by having access to many wholesale lenders in order to offer the best variety of loan options. Our commitment to service is reflected by the fact that our business consists of referrals from our past clients, the highest endorsement possible.

Carlton Home Mortgage, L.L.C. sprang into life to service people according to an old rule called the golden rule. We simply operate our business according to how we like to be treated. We appreciate being treated with respect, honesty, and compassion. We are certain that's what you value too! Maybe one of the reasons we are becoming the area's top mortgage broker is because we provide our clients with quality, personalized service.

With such a well rounded familiarity and appreciation for so many aspects of the total industry, it has become our company policy to assemble a select team of dedicated professionals who have a base of shared values and visions who can provide:

Our goal is to cultivate a reputation of swift, personable and complete service together with an enviable relationship with investors, lenders, realtors, appraisers, and insurers who help us to complete the most comprehensible and customized funding packages.

 

Why should we refinance?

Under current law, all interest paid on a mortgage incurred in buying a home is deductible for tax purposes as long as the mortgage does not exceed one million. In the early years of your mortgage, most of your payment is interest and real estate taxes are still deductible. After a few years should you decide to take advantage of the growing equity in your home by taking out a home equity loan, the interest on up to $100,000 of home equity indebtedness is tax deductible and under current law the proceeds of these loans can be used as the homeowner desires.

A home is an investment that helps you keep up with inflation. Although not all homes appreciate at the same rate and some years are better than others, real estate has historically kept pace with, and usually appreciates faster than the rate of inflation.

Your loan agent will guide you through the application process, consult with you about the programs available, and can coordinate the closing of escrow with you.

Carlton Home Mortgage, L.L.C. has earned priority status with most lenders. This is a direct result of the quality and quantity of the loans that we originate combined with the excellent reputation for professionalism that we have earned. WHAT THIS MEANS TO YOU IS THAT WE WORK HARDER FOR YOU TO RECEIVE BETTER RATES WITH MORE POSITIVE RESULTS AND LESS EFFORT ON YOUR PART. WE ARE HERE TO SAVE YOU TIME AND MONEY.

EIGHT REASONS WHY IT PAYS TO DO BUSINESS WITH A MORTGAGE BROKER

The process of obtaining or refinancing a mortgage loan can be intimidating, confusing, and stressful. There are infinite number of options available and paperwork to complete. Carlton Home Mortgage, L.L.C. is committed to helping you make the best mortgage choice for your present and future needs. Our goal is to get you out of debt as soon as possible. Making the right mortgage decision can help you pay off your debt.

Working Side-by-Side

We know that for us, one of the most important considerations with any loan is simply to stay in constant touch with the borrower. We also know the importance of getting the job done in a timely manner.

Real Estate tends to represent the single largest investment most of us ever make, it is vital to secure the best financing available. Every borrower has different needs, every property is unique, and every lender has its own rules and programs.

The difficulty for most people in shopping for their own loan is that they do not know all the right questions to ask. Adding to that difficulty is the fact that most lenders have only one or two programs to offer, so their job is sell you what they have, rather than find the program that fulfills your needs.

We, on the other hand, can tailor the package to fit your needs, based upon many factors, such as your current, your expectation of future earnings, how long you plan to own the property.

We will explain all your options and assist you in making a fully informed choice. We are there with a guiding hand and there is always a loan with terms that you can afford. We are here to help.

-We're looking out for your best interest!-

 

We're Fast

First of all, we don't waste any time closing a loan. From the first time you meet with us, we will give you a lending decision an a written cost breakdown with our "Low Cost Guarantee."

From our advanced computer network to our unique system for processing loans faster than anyone in the business. Every aspect our operation has been designed to get your loan closed on time without a hitch, and to keep you fully informed every step of the way. No one does as much as we do to give you truly exceptional service.

We're Flexible

Because loan programs are so complicated and varied, many lenders focus on just a few programs. If you don't fit in one of their boxes, you don't get a loan; or, you may be forced into a loan program that costs you more.

We stay current on the features and underwriting requirements of more than a dozen major government and conventional loan programs.

We're Committed To You

If you think about it, we earn nothing unless we can close the loan that fits your needs. So we're very committed to closing your loan.

But beyond that, we recognize that our long-term future really depends on the loyalty and good will of our clients. After all, our average client will purchase 7 homes and refer dozens of friends during their lifetime. We, on the other hand, can tailor the package to fit your needs, based upon many factors, such as your current income, your expectation of future earnings, how long you plan to own the property.

We will explain all your options and assist you in making a fully informed choice. We are there with a guiding hand and there is always a loan with terms that you are afford. We are here to help.

Our aim is to serve all of your mortgage financing needs for many years to come. That's why our policy is to consistently strive to exceed our clients' expectations.

In working together we create something greater than any one individual can do alone. Although we each specialize in our own areas, we stand for these three beliefs: Dignity of the individual, excellence, and service.

Member of:
Alabama Mortgage Brokers Association
National Mortgage Brokers Association

Equal Housing Opportunity

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