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  "sources": ["ssg:https://framerusercontent.com/modules/21VQnAj8ST3sTwwT6Xin/9PJW1oL1l7KvAajLAbUe/UHWdCs76Z-9.js"],
  "sourcesContent": ["import{jsx as e,jsxs as o}from\"react/jsx-runtime\";import*as n from\"react\";export const richText=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Thank you for stopping by my Zillow Page. The mortgage business has been my passion since 2002 and it still drives me every day. I enjoy the day to day of this industry and could not imagine doing anything else. My business is strictly referral driven, which allows me the flexibility of working around the schedule of my clients and referral partners as well as spending time with friends and family. The many years in the business have given me the knowledge and the expertise to help guide clients through the process from getting pre-approved all the way to holding the keys to their new house, all the while making sure they get the best loan product to help them achieve their goals in the buying process. \"}),/*#__PURE__*/e(\"p\",{children:\"The mortgage process can be an intimidating process if not handled correctly, we take pride in making it a very easy and a stress-free process for all of our clients. Communication is very important from the pre-approval process to the closing table. It is our job to analyze the situation, and listen to what your main goals are, and after that we give options of which products best fit what you are looking for. We can cater your mortgage to what you are looking for. We make sure that the pre-approval is done correctly so the financing piece is handled up front for your new home loan. \"}),/*#__PURE__*/e(\"p\",{children:'I always like to say- \"there are no stupid questions when you are buying a house\". As a buyer you should feel comfortable and educated throughout the process, and that comment is from the heart, if you do not understand anything when we move towards closing then we have not done our job correctly. '}),/*#__PURE__*/e(\"p\",{children:\"We have loans that do not require a down payment if that is a product that helps you achieve the goals of home ownership. \"}),/*#__PURE__*/e(\"p\",{children:\"Products we offer: \"}),/*#__PURE__*/e(\"p\",{children:\"Purchase Programs-  Conventional (As low as 3 or 5% down), Jumbo Loans, FHA  (3.5% down payment),  FHA HUD100 loans with $100 down payment in Indiana), VA, USDA, Indiana Housing (Conventional and FHA-  Down payment assistance from the State of Indiana), 100% Financing for Doctors and Veterinarians with no Mortgage Insurance, Self- Employed borrowers- We can qualify you with 1 year of tax returns if your last year was higher in income ** Must prove you were self-employed for 5 years but use one year of income or we average the last 2 years,  We can also do 80/10 loans where no Mortgage Insurance is needed to be paid by getting a 1st and 2nd mortgage combo product.  Recast Options -  these are similar to bridge loans and they allow flexibility to buyers that need to buy before they sell their current home.  This product is perfect for when you need to buy before selling but then want to turn around and use the proceeds from your sale to put towards the new mortgage, call me and ask about the recast option, that allows you to then put profits from your sale towards the mortgage you just got, without refinancing and we can lower your payment by putting down these extra funds. \"}),/*#__PURE__*/e(\"p\",{children:\"Refinance programs- 10 - 15 - 20 and 30 year refis.  Conventional rate and term, Cash out, FHA, and VA IRRLS, VA Cash-out(up to 100% of your house value),  FHA Streamlines, and USDA Streamlines \"}),/*#__PURE__*/e(\"p\",{children:\"If there is a product out there, we more than likely have it. Call me anytime \"}),/*#__PURE__*/e(\"p\",{children:\"Making Dreams come true, contact me today and let's get going on yours. \"}),/*#__PURE__*/e(\"p\",{children:\"MJW Mortgage NMLS #199907\"})]});export const richText1=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Josh Steele is a Senior Loan Officer at MJW Financial LLC. With over 20 years of experience in the mortgage industry, he is dedicated to helping clients find the best loan product for their needs. Josh specializes in various types of loans and refinancing products offered by MJW. He ensures a smooth loan process from pre-approval to closing, providing extensive knowledge and prompt communication. In his free time, Josh enjoys spending time with family and friends, and he has a passion for Pittsburgh sports.\"})});export const richText2=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Conventional Loans: Offers traditional mortgage loans with fixed or adjustable interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"- FHA Loans: Provides loans insured by the Federal Housing Administration, requiring lower down payments and more flexible qualification requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- VA Loans: Offers home loans exclusively for eligible veterans, active-duty service members, and surviving spouses. \"}),/*#__PURE__*/e(\"p\",{children:\"- USDA Loans: Provides loans backed by the U.S. Department of Agriculture, allowing for 100% financing in designated rural areas. \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo Loans: Offers financing for luxury properties exceeding conforming loan limits. \"}),/*#__PURE__*/e(\"p\",{children:\"- Refinance Loans: Helps clients lower their mortgage rates or adjust the loan terms through refinancing options. \"}),/*#__PURE__*/e(\"p\",{children:\"- Renovation Loans: Supports home improvement projects by providing financing for renovations and repairs. \"}),/*#__PURE__*/e(\"p\",{children:\"- Reverse Mortgage: Offers a loan option for homeowners aged 62 or older, allowing them to convert part of their home's equity into cash.\"})]});export const richText3=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Florida (LO61169), Illinois (031.0078160), Indiana (24116), Kentucky (MC701836), Michigan (728736), Ohio (MLO.044378.001), Texas ()\"})});export const richText4=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"During my many years of experience in the mortgage industry, I have shared my expertise to personally assist numerous families with responsible and affordable home financing. I have an extensive background assisting first time homebuyers, high net worth borrowers, low-to-moderate income borrowers, self-employed borrowers, investment borrowers and our local heroes: Police, Firefighters, Veterans, Teachers, and Medical workers. Top 5 Homes for Heroes affiliate in the nation. Visit www.hoosierheroes.com for more info!! \"}),/*#__PURE__*/e(\"p\",{children:\"I love helping customers become successful homeowners. Taking care of customers in regards to refinancing or purchasing. We take care of all loan types - conventional, FHA, VA, USDA/Rural Housing, Indiana Housing. I value my business partners and customers and strive for excellent customer service!! \"}),/*#__PURE__*/e(\"p\",{children:\"Specialties:* Affordable mortgage lending * Conventional loans * Government lending * Investment property lending * Lending to our local heroes: police, teachers, firefighters, and medical worker loans \"}),/*#__PURE__*/e(\"p\",{children:\"Fairway NMLS #2289 www.nmlsconsumeraccess.org \"}),/*#__PURE__*/e(\"p\",{children:\"    Bit.ly/FIMCDisclosures \"})]});export const richText5=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Team Turley is a branch of Fairway Independent Mortgage Corporation, located in Mooresville, IN. We specialize in providing quick and hassle-free home financing solutions for both first-time homebuyers and refinancers. Our dedicated team takes a collaborative approach, partnering with your real estate agent to establish a clear timeline tailored to your needs. We offer a variety of loan programs and have a credit improvement program available. Additionally, we are actively involved in the community and provide informative articles on our blog. Contact us today to get started on your home financing journey.\"})});export const richText6=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Conventional Loans: Fairway Independent Mortgage Corporation offers conventional loans, which are traditional mortgage loans that are not insured or guaranteed by the government. \"}),/*#__PURE__*/e(\"p\",{children:\"- FHA Loans: They also provide FHA loans, which are insured by the Federal Housing Administration and often have lower down payment requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- VA Loans: Fairway Independent Mortgage Corporation offers VA loans, which are available to eligible veterans, active-duty service members, and their spouses. These loans are guaranteed by the Department of Veterans Affairs. \"}),/*#__PURE__*/e(\"p\",{children:\"- USDA Loans: They provide USDA loans, which are backed by the U.S. Department of Agriculture and are designed for rural and suburban homebuyers who meet certain income and property location requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo Loans: Fairway Independent Mortgage Corporation offers jumbo loans, which are mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"- Adjustable-Rate Mortgages (ARMs): They provide adjustable-rate mortgages, where the interest rate may change over time based on market conditions. \"}),/*#__PURE__*/e(\"p\",{children:\"- Reverse Mortgages: Fairway Independent Mortgage Corporation offers reverse mortgages, a unique type of loan that allows homeowners age 62 and older to convert a portion of their home equity into cash or a line of credit. \"}),/*#__PURE__*/e(\"p\",{children:\"- Renovation Loans: They offer renovation loans, such as FHA 203(k) loans or Fannie Mae HomeStyle\\xae Renovation mortgages, which allow borrowers to finance both the purchase or refinance of a home and the cost of renovations or repairs. \"}),/*#__PURE__*/e(\"p\",{children:\"- Construction Loans: They provide construction loans, which are short-term loans that cover the cost of building a new home or completing major renovations. These loans typically convert to a permanent mortgage once the construction is complete. \"}),/*#__PURE__*/e(\"p\",{children:\"- Down Payment Assistance Programs: Fairway Independent Mortgage Corporation can help borrowers explore various down payment assistance programs available in their area, which can provide financial assistance to qualified homebuyers.\"})]});export const richText7=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Alabama (88426), Arkansas (130111), Colorado (100515539), Florida (LO59286), Georgia (363066), Iowa (48008), Illinois (031.0080559), Indiana (23640), Kansas (LO.0050806), Kentucky (MC730523), Louisiana (), Michigan (363066), Minnesota (MN-MLO-363066), Missouri (363066), Mississippi (363066), North Carolina (I-202668), North Dakota (NDMLO363066), Nebraska (), New Hampshire (), Ohio (MLO-OH.363066), Oklahoma (MLO31291), South Carolina (MLO - 363066), South Dakota (363066.MLO), Tennessee (205477), Virginia (MLO-63802VA), Wisconsin (363066), West Virginia (LO-363066), Wyoming (105980)\"})});export const richText8=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"I would love the opportunity to assist you with your financing goals.  I work hard to design a mortgage plan that suits your needs and budget. I have a variety of programs including Conventional, HomeReady (for 1st time homebuyers), FHA, VA, USDA, Rehab Loans through FHA,  Indiana Housing loans (for downpayment assistance) and Doctor loans.  I will do my absolute best to make the mortgage process painless.  My team has worked together for years and we have the tools needed to have success with on-time closings, great customer service, competitive rates, and an overall enjoyable experience.  Thank you for the opportunity to be of service!\"})});export const richText9=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Caf\\xe9 Lending is a division of GVC Mortgage, Inc. They provide personalized loans tailored to individual situations, with quick loan closings and great customer support. The company aims to deliver unsurpassed customer service while offering lending programs that meet the needs of their clients. They have a professional yet casual approach and offer a team of dedicated individuals who can assist customers throughout the loan process. The website features testimonials from satisfied customers, showcasing their positive experiences with Caf\\xe9 Lending. Additionally, the company offers various loan programs to accommodate different scenarios, such as FHA, USDA, conventional, VA, doctors, and jumbo loans. Interested individuals can apply for a loan online, and the website also provides helpful mortgage resources and tools. Caf\\xe9 Lending strives to make the loan process quick, simple, and transparent, ensuring that customers are well-informed every step of the way.\"})});export const richText10=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The Loan Programs offered by Cafe Lending are: \"}),/*#__PURE__*/e(\"p\",{children:\"1. FHA: Ideal for those with limited funds for a down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More \"}),/*#__PURE__*/e(\"p\",{children:\"2. USDA: Designed for individuals residing in rural areas. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More \"}),/*#__PURE__*/e(\"p\",{children:\"3. Conventional: Suitable for borrowers with the ability to make a larger down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More \"}),/*#__PURE__*/e(\"p\",{children:\"4. VA: Specifically for active members of the military or veterans. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More \"}),/*#__PURE__*/e(\"p\",{children:\"5. Doctors: Tailored for those completing their residency and looking to purchase a home. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More \"}),/*#__PURE__*/e(\"p\",{children:\"6. Jumbo: For purchasing homes in higher price ranges than typical loan programs allow. \"}),/*#__PURE__*/e(\"p\",{children:\"   - Loan features: Learn More\"})]});export const richText11=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Indiana (12119)\"})});export const richText12=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"*****CALL ME / TEXT ME @ 708-259-2279. \"}),/*#__PURE__*/e(\"p\",{children:\"***** EMAIL ME @ JStachyra@cibmmortgage.com \"}),/*#__PURE__*/e(\"p\",{children:\"My name is James Stachyra, and I am a Senior Mortgage Loan Advisor (NMLS #895338) at CIBM Mortgage. I currently reside in Schererville, Indiana, with his wife Morgan, 9-year-old daughter, Scarlett, and 4-year-old son Merett. I have been a member of the mortgage community since 2001. I am a goal and family oriented individual, striving to be the most helpful Loan Advisor that my clients have ever worked with. My approach for a smooth loan process begins with providing easy to follow instructions and keeping the customer informed every step of the way. The mortgage loan process can be a confusing and daunting task. My priority is to take all of the guesswork out for anyone looking to purchase or refinance a home. I invite you to read online reviews about the services that I have provided many satisfied clients. My success within the mortgage industry is due in large part to realtor relationships, past and present client referrals, and positive online feedback and reviews. \"}),/*#__PURE__*/e(\"p\",{children:\"Let me help YOU Today! \"}),/*#__PURE__*/e(\"p\",{children:\"James R. Stachyra \"}),/*#__PURE__*/e(\"p\",{children:\"Cell: (708) 259-2279 \"}),/*#__PURE__*/e(\"p\",{children:\"E mail: JStachyra@cibmmortgage.com \"}),/*#__PURE__*/e(\"p\",{children:\"CIBM Mortgage can lend in the continental United States\"})]});export const richText13=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"James Stachyra is a Senior Mortgage Loan Advisor (NMLS #895338) at CIBM Mortgage. He has been in the mortgage industry since 2001 and is known for his goal-oriented and family-focused approach. James aims to provide a smooth loan process by offering clear instructions and keeping clients well-informed at every step. His priority is to remove the confusion and complexity from purchasing or refinancing a home. James has garnered positive feedback from numerous satisfied clients, with over 275 five-star reviews. His success is attributed to strong realtor relationships, client referrals, and positive online feedback.\\xa9 2022 CIBM Bank \\xb7 Privacy Statement \\xb7 Terms and Conditions.\"})});export const richText14=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"1. Conforming Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Offered for residential properties that meet specific loan limit criteria set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Typically have competitive interest rates and favorable terms. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Suitable for individuals who meet the standard requirements for income, credit score, and down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"2. Jumbo Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Available for high-value homes that exceed the maximum loan limit set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"     - May require higher credit scores, lower debt-to-income ratios, and a larger down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Provides financing options for purchasing or refinancing luxury properties. \"}),/*#__PURE__*/e(\"p\",{children:\"3. FHA Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Backed by the Federal Housing Administration (FHA) and designed for first-time homebuyers or those with limited down payment funds. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Offers more lenient qualification requirements, including lower credit score thresholds and a smaller down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Provides options for individuals who may not qualify for conventional loans. \"}),/*#__PURE__*/e(\"p\",{children:\"4. VA Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Exclusive to active-duty military personnel, veterans, and their eligible spouses. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Guaranteed by the Department of Veterans Affairs (VA) with flexible eligibility criteria and no requirement for private mortgage insurance (PMI). \"}),/*#__PURE__*/e(\"p\",{children:\"     - Enables veterans to purchase or refinance a home with favorable terms and potentially no down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"5. USDA Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Supported by the United States Department of Agriculture (USDA) and available for eligible rural and suburban properties. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Offers low-interest loans with no down payment requirement for individuals or families with moderate incomes. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Helps make homeownership affordable in designated areas outside major metropolitan areas. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Construction Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Designed for building a new home from scratch or completing significant renovations. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Provides funding in stages throughout the construction process. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Once construction is complete, the loan can be converted to a conventional mortgage or refinanced. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Home Equity Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Allows homeowners to borrow against the equity they have built in their property. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Can be used for various purposes, such as home improvements, debt consolidation, or major expenses. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Interest rates may be lower compared to other types of loans since the home serves as collateral. \"}),/*#__PURE__*/e(\"p\",{children:\"8. Home Equity Lines of Credit (HELOC): \"}),/*#__PURE__*/e(\"p\",{children:\"     - Similar to home equity loans, but instead of a lump-sum payment, it provides a credit line that can be accessed as needed. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Flexibility to borrow and repay multiple times during the draw period. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Interest rates may fluctuate since HELOCs are tied to an index rate. \"}),/*#__PURE__*/e(\"p\",{children:\"9. Reverse Mortgages: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Available for homeowners aged 62 and older to convert a portion of their home equity into loan proceeds. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Enables seniors to supplement their income while retaining ownership of the home. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Repayment is typically deferred until the borrower sells the home, moves out, or passes away. \"}),/*#__PURE__*/e(\"p\",{children:\"10. Investment Property Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"     - Tailored financing options for individuals purchasing residential properties as investments or rental properties. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Terms and qualification requirements may differ from traditional home loans. \"}),/*#__PURE__*/e(\"p\",{children:\"     - Helps investors expand their real estate portfolio and generate rental income.\"})]});export const richText15=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Jennifer has been serving her clients in the mortgage industry since 2007. Having previously worked with a builder, she understood the importance of working with a lender that was willing to bend over backwards for all parties and has established that as a guiding principle in her career. \"}),/*#__PURE__*/e(\"p\",{children:\"Although she is extremely knowledgeable with all residential mortgage products, she prides herself as one of the few local experts in Veterans Administration (VA) mortgage loans. Jennifer takes great pride in assisting Veteran's and their families achieve the dream of home ownership. Although many Lenders are intimidated by the complexity of a VA loan, Jennifer has developed a passion for utilizing this product as a tool for giving Veteran's the pathway to the home of their dreams. As the spouse of a retired Veteran, VA loans are her area of expertise, sometimes lovingly referred to as the \\\"VA Loan Queen\\\" by her referral sources and Veteran clients. \"}),/*#__PURE__*/e(\"p\",{children:\"Service, service, service... day and night is the key to Jennifer's approach. Her clients and Real Estate professionals benefit from her very hands on approach. Needing assistance with a home loan doesn't always happen between 9-5. This is why she makes herself available to assist clients after hours and on weekends as well. \"}),/*#__PURE__*/e(\"p\",{children:\"When not working, Jennifer enjoys spending time with her husband, Mike,  and their children and grandchildren. They also are very passionate about rescuing animals and finding them their forever homes. In their spare time, they enjoy their hobby farm, caring for their farm animals and rescues. They are avid Michigan Wolverine football fans and actively participate in hosting exchange students from all over the world.\"})]});export const richText16=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Indiana (12398), Kentucky (MC102907)\"})});export const richText17=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When you bank with Old National, you'll encounter a team of experienced financial professionals ready to help you attain your financial goals with extensive banking, mortgage, wealth management, investments and brokerage services. You'll also find a true community bank focused on making a difference through associate volunteerism, corporate sponsorships, Foundation grants and financial education. Our position today as a strong, stable financial services provider ties directly to the long-term, highly-valued partnerships we have always worked to build with clients. \"}),/*#__PURE__*/e(\"p\",{children:\"As an Old National client, you can count on us to get to know you and to help you reach your goals through each stage of life. We will do this with the expertise, technology and products found at larger banks, while providing the personal attention and commitment of a community bank. In all we do, we will strive to exceed expectations and be your bank for life.  \"}),/*#__PURE__*/e(\"p\",{children:\"Depending on your goals and financial situation, Old National has different mortgage options available to you. We'll help you understand the differences and choose the right solution to get you in the home of your dreams.\"})]});export const richText18=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:'Old National Bank is a reputable financial institution that provides personal financial solutions to its customers. With the backing of the U.S. Government, as an FDIC-insured bank, it offers a range of services including personal checking, mortgages, personal savings, and investing options. The bank also emphasizes fraud prevention, ensuring the safety of its customers\\' personal information. Old National Bank is committed to community involvement, having donated millions of dollars to local organizations and boasting a team that has volunteered thousands of hours. As a well-established bank since 1834, it is recognized for its strength, stability, and excellent customer service. Old National Bank has received various accolades, such as being named to the \"Civic 50\" by Points of Light for its community-mindedness, as well as being recognized as a \"Best Place to Work for Disability Inclusion\" and a \"Military Friendly Employer.\" With dual headquarters in Chicago and Evansville, this bank is well-equipped to meet the needs of its customers and provide them with exceptional financial services.'})});export const richText19=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- 15 Year Fixed Mortgage: 6.000% rate, 6.067% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- 30 Year Fixed Mortgage: 6.500% rate, 6.541% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo 30 Year Mortgage: 6.500% rate, 6.510% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo 5/6mo SOFR ARM Mortgage: 6.250% rate, 6.259% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- Construction 30 Year Mortgage: 6.750% rate, 6.800% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- FHA 30 Year Mortgage: 5.750% rate, 7.279% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- VA 30 Year Mortgage: 5.750% rate, 6.019% APR \"}),/*#__PURE__*/e(\"p\",{children:\"- Additional purchase and refinance rates available, subject to credit review and approval. \"}),/*#__PURE__*/e(\"p\",{children:\"- Rates effective as of 10/09/2024 and may vary based on credit score, down payment, loan amount, and other requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- Contact a Mortgage Loan Expert for personalized rate information.\"})]});export const richText20=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"You're our focus. Since 1996 we've been welcoming people like you home. We have 2 guiding principles:  \"}),/*#__PURE__*/e(\"p\",{children:\"1. You're a person, not a loan number \"}),/*#__PURE__*/e(\"p\",{children:\"2. You deserve a fast and simple home loan process \"}),/*#__PURE__*/e(\"p\",{children:\"Over 37,500 borrowers have trusted us to be their guide through the process. Our family has grown to include homeowners across the Midwest and in Florida. With Mortgage Express, our mobile app, we've made the loan process even more simple and average 17 days clear-to-close.\"})]});export const richText21=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"GVC Mortgage, Inc. is a real estate lending company that offers free and secure loan services for home purchase and refinancing. With an emphasis on a stress-free experience, we simplify the loan process and provide financing 36% faster than the industry average. Our website, The Homefront, offers valuable resources and information about homes, mortgages, and the loan program that suits your financial situation. By connecting with our mortgage consultants, you can receive personalized assistance throughout the process. We strive to provide a seamless loan experience and help you achieve your homeownership goals. Contact us via our toll-free number or visit our office during our hours of operation. We offer various loan products such as FHA, USDA, Conventional, VA, Doctors, and Jumbo loans. Explore our website to learn more about buying a home, making payments, and our company's story and leadership. We are committed to maintaining transparency and ensuring compliance with state licenses and privacy policies. GVC Mortgage, Inc. is dedicated to creating a positive impact and providing equal housing opportunity.\"})});export const richText22=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- FHA Loans \"}),/*#__PURE__*/e(\"p\",{children:\"- USDA Loans \"}),/*#__PURE__*/e(\"p\",{children:\"- Conventional Loans \"}),/*#__PURE__*/e(\"p\",{children:\"- VA Loans \"}),/*#__PURE__*/e(\"p\",{children:\"- Doctors Loans \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo Loans\"})]});export const richText23=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Alabama (2334), Arizona (1045196), Colorado (), Florida (MLD1184, MLD1924), Illinois (MB.6760403), Indiana (10988), Kentucky (MC16958), Michigan (FR0022902, SR0023499), North Carolina (L-218533), Ohio (RM.850302.000), Oklahoma (ML016805), South Carolina (MLS - 2334), Tennessee (119565), Texas (), Virginia (MC-5887)\"})});export const richText24=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Lisa Parsons is a Senior Loan Originator at Mortgage Masters and is licensed in Indiana and Kentucky. She joined Mortgage Masters in 2002. She has been a resident of Evansville since 1993, when she moved here to marry her husband Don. They have one daughter, Sarah. \"}),/*#__PURE__*/e(\"p\",{children:\"Lisa\u2019s attention to detail, and excellent customer service skills, are the keys to a successful loan transaction for all parties involved. Real Estate Agents appreciate her attention to the details, and borrowers are thankful for the extra effort she puts in to making each step of the loan process as simple as possible. Closing every transaction on time is the top priority for Lisa, and her team does an excellent job of making this happen. \"}),/*#__PURE__*/e(\"p\",{children:\"Lisa has originated over 1400 loans, so experience is the key to knowing how to handle every situation. She is very proud that a large part of her business comes from previous customers and their referrals. \"}),/*#__PURE__*/e(\"p\",{children:\"Providing excellent customer service is very important to Lisa and her expertise is walking clients through the loan process from start to finish without the stress that comes with financing a new home. She works hard for her customers and is dedicated to finding the best possible lending solution for each and every one of them.  \"}),/*#__PURE__*/e(\"p\",{children:\"NMLS#135820\"})]});export const richText25=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Lisa Gail Parsons is an experienced loan officer at Mortgage Masters of Indiana, Inc. With a strong background in business and financial management, Lisa helps individuals achieve their goals and dreams of homeownership. She takes pride in her extensive network of satisfied customers who often refer their friends and family to her. Lisa is dedicated to providing excellent customer service and guiding clients through the loan process with minimal stress. Whether you're buying a new home, considering a second home, or looking to refinance, Lisa is committed to finding the best lending solution for each client. Located in Evansville, Indiana, Mortgage Masters of Indiana is a trusted lending institution (NMLS|126673) conveniently located at 501 N Cross Pointe Blvd.\"})});export const richText26=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"At Mortgage Masters of Indiana, Inc., we offer a range of loan programs to suit the needs of our clients. Here are some of the loan programs available: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: These loans are not insured or guaranteed by the government and typically require a higher down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are popular among first-time homebuyers and require a lower down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Exclusive to eligible veterans and military service members, VA loans provide favorable terms and often require no down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Designed for rural areas, USDA loans offer affordable financing options for those who meet income and location requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: For high-value properties, jumbo loans provide financing beyond the limits of conventional loans. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Renovation Loans: Our renovation loan programs allow borrowers to finance both the purchase or refinance of a home along with the cost of renovations or repairs. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Refinance Loans: If you already own a home, our refinance loan programs enable you to adjust the terms of your existing mortgage, potentially lowering your monthly payments or accessing equity. \"}),/*#__PURE__*/e(\"p\",{children:\"8. Reverse Mortgages: Available to qualified homeowners aged 62 and older, reverse mortgages allow you to access your home's equity without making monthly mortgage payments. \"}),/*#__PURE__*/e(\"p\",{children:\"Whatever your financing needs may be, our team at Mortgage Masters of Indiana is dedicated to finding the best lending solution for you. Contact Lisa Gail Parsons, our experienced loan officer, to start exploring your options.\"})]});export const richText27=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Florida (LO58141), Indiana (12175), Kentucky (MC99773)\"})});export const richText28=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Jonathan\u2019s professional career in the mortgage industry began early in 2006 while at the same time, completing a Bachelor of Science degree in business management at Indiana University South Bend. During his time at IU South Bend, he was honored to receive the John R. Swanda Ethics Award, given to an \u201Coutstanding business student who best exemplified the highest standards of business ethics and professional behavior.\u201D  This previous college recognition identifies high ethical standards that are of the utmost importance to Jonathan and they remain at the core of his personal and professional life today. \"}),/*#__PURE__*/e(\"p\",{children:\"Since joining Hallmark Home Mortgage in 2009, Jonathan has been consistently recognized as a member of the Hallmark Hall of Fame; given only to the top producing loan officers within the company. In 2015, Jonathan was also privileged to be the recipient of Hallmark\u2019s MVP Award.  \"}),/*#__PURE__*/e(\"p\",{children:\"Aside from company success, Jonathan was selected as a top producing mortgage loan officer by Mortgage Professional America Magazine in 2014 and 2015. The individual acknowledgment known as the \u201CMPA Young Gun Award\u201D, is an annual, national recognition given to the top 50 mortgage professionals who are 35 years old or younger and are making a positive impact in the mortgage industry.  \"}),/*#__PURE__*/e(\"p\",{children:\"Jonathan also serves on the Michiana Chapter of the Indiana Mortgage Bankers Association, a community outreach committee of the Greater South Bend-Mishawaka Association of Realtors, and as a board member of the local SBMAOR Young Professionals Network where he volunteers in multiple areas to help support the Michiana (Southwest Michigan and Northern Indiana) real estate and mortgage lending community. \"}),/*#__PURE__*/e(\"p\",{children:\"Jonathan also passionately serves outside of the mortgage and real estate industry in variety of groups within his local church. Jonathan is particularly proud to be the administrator of his church food pantry, which serves neighbors in need within his local community. \"}),/*#__PURE__*/e(\"p\",{children:\"At the end of each workday, Jonathan enjoys spending time with his beautiful wife, and his two sons and daughter. As a young family of five, they love traveling as much as possible. The family agrees that you can\u2019t go wrong when the destination includes the sun, the sand, and the waves. \"}),/*#__PURE__*/e(\"p\",{children:\"In life and in one\u2019s career, it is the focus on people that truly matters. A mortgage transaction is not solely about purchasing or refinancing a house as much as it is about a person\u2019s HOME. With this in mind, Jonathan\u2019s mission is to carefully guide his clients through the entire home loan process, so his clients feel confident about the important financial decisions they are making. Jonathan and his team strive to maintain a high level of service during each transaction. You can be sure that his team will provide consistent communication throughout the process and issue trusted pre-approvals. In fact, his motto is to provide \u201Cpre-approvals you can trust and communication you can count on\u201D. Nearly 100% of Jonathan\u2019s clients are referred by previous satisfied customers, real estate agents, and other business partners in the Michiana area. \"}),/*#__PURE__*/e(\"p\",{children:\"The mortgage lending process has become increasingly complicated, so be sure to place your trust in a true, professional team. We invite you to engage in an award winning experience by working with Jonathan and Hallmark Home Mortgage for your mortgage financing needs.  \"})]});export const richText29=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Jonathan McKinnies is a mortgage professional with over 15 years of experience in the industry. His team at Hallmark Home Mortgage, LLC is dedicated to providing excellent service and guidance throughout the home loan process. They serve the Michiana area and have a strong focus on helping clients make confident financial decisions. The team is comprised of licensed professionals who specialize in different aspects of the mortgage process, from preapproval to closing and beyond. Jonathan's success is evidenced by his consistent recognition as a top producing loan officer and the majority of his clients come from referrals. Hallmark Home Mortgage has received awards and honors for their outstanding service in the industry. They offer a range of loan products including conventional, construction, bond, doctor, FHA, toolbox, USDA, and VA loans. Testimonials from satisfied clients show the team's commitment to communication and customer satisfaction. Additionally, they provide resources like an amortization calculator and a podcast that covers various topics related to purpose, performance, and growth. The company emphasizes their dedication to people and serving both their customers and communities. Interested individuals can contact Hallmark Home Mortgage through their website or social media platforms.\"})});export const richText30=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Conventional Loans, Construction Loans, Bond Loans, Doctor Loans, FHA Loans, Toolbox Loans, USDA Loans, VA Loans.\"})});export const richText31=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Indiana (12606), Michigan (226786)\"})});export const richText32=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Adam Lamb is an accomplished professional who has been providing clients with exceptional customer service and problem solving skills for the past 20 years. He is a fully licensed Loan Officer and college graduate with a Bachelor's Degree in Business Administration. At the beginning of 2014, Adam brought 17 years of management and top level sales production from the education and consulting professions to the mortgage industry. \"}),/*#__PURE__*/e(\"p\",{children:\"Adam joined Primary Residential Mortgage, Inc because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools. Adam has helped hundreds of individuals and families attain the dream of homeownership. He provides customized solutions for his clients based on their short- and long-term financial goals. No brokering, no middleman, no hassle, no surprises. \"}),/*#__PURE__*/e(\"p\",{children:\"Adam is in control of the loan file from start to finish, and is always up-to-date on the status of the loan at all times. He understands the importance of maintaining continuous communication throughout the loan process and is committed to providing accurate, timely, and honest mortgage advice. \"}),/*#__PURE__*/e(\"p\",{children:\"Loan Officer.  PRMI NMLS 3094 NMLS # 1162237.  6061 Stoney Creek Dr. Ft Wayne, IN 46825.  260.440.3997. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. State Licenses: \"}),/*#__PURE__*/e(\"p\",{children:\"Indiana - IN-Department of Financial Institutions Consumer Credit Division, First Lien License 11069 Secretary of State Securities Commission Second Lien License 103936. C.P.D. Reg. No.-19-07981 IN-Departamento de Instituciones Financieras, Divisi\\xf3n de Cr\\xe9dito al Consumidor, Licencia de primer grado 11069, Secretar\\xeda de Estado, Comisi\\xf3n de Valores, Licencia de segundo grado 103936. C.P.D. Reg. No.-19-07981 \"}),/*#__PURE__*/e(\"p\",{children:\"https://www.primaryresidentialmortgage.com/resources/privacy-policy \"}),/*#__PURE__*/e(\"p\",{children:\"https://www.primaryresidentialmortgage.com/resources/terms-of-use \"}),/*#__PURE__*/e(\"p\",{children:\"https://www.primaryresidentialmortgage.com/resources/consumer-voice\"})]});export const richText33=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"At Primary Residential Mortgage, Inc. (PRMI), we are a real estate lending company dedicated to helping individuals and families achieve their homeownership dreams. With a commitment to excellence and personalized service, we provide a range of mortgage products and services tailored to meet the unique needs of our clients. Our team of experienced professionals guides borrowers through the loan process, offering expert advice and reliable support every step of the way. Whether you are a first-time homebuyer or an experienced investor, PRMI is here to assist you in finding the right mortgage solution for your specific situation. Explore our website, www.primeres.com, to learn more about our mortgage offerings and to connect with our knowledgeable team.\"})});export const richText34=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"At Primary Residential Mortgage, Inc., we offer a range of loan programs to fulfill diverse housing needs. Our loan programs include: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: These traditional mortgages provide flexible terms, competitive interest rates, and various down payment options. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Backed by the Federal Housing Administration, these loans are suitable for first-time homebuyers with low down payment requirements and more lenient credit criteria. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Reserved for veterans, active-duty service members, and their eligible spouses, VA loans offer favorable terms, including no down payment requirements and competitive interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Geared towards rural and suburban homebuyers, USDA loans offer 100% financing options and competitive interest rates for those who meet income and location eligibility requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: For borrowers seeking higher loan amounts, our jumbo loans cater to those financing luxury properties or purchasing homes exceeding conforming loan limits. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Refinance Loans: We provide refinancing options that allow homeowners to lower their monthly mortgage payments, consolidate debts, or access home equity for other financial goals. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Renovation Loans: Our renovation loan programs finance both the purchase and renovation costs, enabling homebuyers to customize their new property to their preferences. \"}),/*#__PURE__*/e(\"p\",{children:\"8. Reverse Mortgages: Designed for senior homeowners aged 62 and older, reverse mortgages allow qualified individuals to convert a portion of their home equity into tax-free cash without monthly mortgage payments. \"}),/*#__PURE__*/e(\"p\",{children:\"Each loan program comes with its own specific eligibility requirements, terms, and conditions. Contact us for personalized assistance in choosing the most suitable loan program for your needs.\"})]});export const richText35=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Indiana (23630)\"})});export const richText36=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Hi, I am Zack Disinger, the data-loving mortgage guru who rocks Excel sheets and video calls like a pro. I am all about educating clients with clear mortgage strategies and keeping expectations on point. When I am not crunching numbers, you'll find me doing burnouts at the drag strip, all while being a dedicated dad to two awesome kids and a way out of my league wife. Indy stole my heart when I moved here in 2014 and been watching my family flourish here since. \"}),/*#__PURE__*/e(\"p\",{children:\"Company NMLS: 423065\"})]});export const richText37=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Novus Home Mortgage, a division of Ixonia Bank, is a real estate lending company that offers services for home buying, refinancing, and equity repositioning. Our team is led by Zack Disinger, a dedicated and knowledgeable loan officer with extensive experience in the mortgage industry. Zack is passionate about educating clients and providing clear mortgage strategies while managing expectations throughout the process. With his data-driven approach and expertise in Excel sheets and video calls, Zack ensures a smooth and transparent experience for clients.  \"}),/*#__PURE__*/e(\"p\",{children:\"Outside of work, Zack enjoys spending time with his family and pursuing personal interests, such as burnouts at the drag strip. Since relocating to Indy in 2014, Zack has been captivated by the city and has witnessed the flourishing of his own family here. \"}),/*#__PURE__*/e(\"p\",{children:\"At Novus Home Mortgage, we offer a white glove approach to debt management through home equity, providing a streamlined path for refinancing. We prioritize keeping our clients informed and empowered throughout their mortgage journey. With our assistance, you can achieve your homeownership goals or explore refinancing options regardless of the state you reside in. So, why not schedule a meeting to explore how we can assist you? Additionally, we value client feedback and encourage you to check out what others have said about working with our team on Google. \"}),/*#__PURE__*/e(\"p\",{children:\"Don't forget to get your own digital business card to stay connected with Zack Disinger and receive the latest updates and information.\"})]});export const richText38=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Novus Home Mortgage offers a range of loan programs to meet different needs: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Home Purchase Loans: Novus Home Mortgage provides financing options for individuals looking to purchase a new home in any of the 50 states. \"}),/*#__PURE__*/e(\"p\",{children:\"2. Refinance Loans: If you already own a home and are looking to refinance your existing mortgage, Novus Home Mortgage can assist you with refinancing options. \"}),/*#__PURE__*/e(\"p\",{children:\"3. Equity Repositioning: Novus Home Mortgage also offers loans for equity repositioning, allowing homeowners to tap into their home's equity for various purposes. \"}),/*#__PURE__*/e(\"p\",{children:\"4. Preapproval: The company provides preapproval services, allowing potential homebuyers to determine their budget and increase their chances of securing a mortgage. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Mortgage Under Management: Novus Home Mortgage offers a white glove approach to debt management through home equity, providing comprehensive mortgage advice and assistance. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that this information is based solely on the provided content and may not cover all loan programs offered by Novus Home Mortgage.\"})]});export const richText39=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.  \"}),/*#__PURE__*/e(\"p\",{children:\"Guided by the vision and dedication of our President and CEO, Bill Cosgrove, we\u2019ve built a world-class company where people come first. With a culture that stands out in the mortgage industry, you won\u2019t find employees here \u2013 only Partners - who live by the shared values of our Code of Conduct. We respect one another, communicate openly and hold each other accountable.  \"}),/*#__PURE__*/e(\"p\",{children:\"Our commitment to delivering personal, world-class service has helped us expand our reach into 48 states + D.C. and grow our annual lending volume over $5 billion in responsible lending per year, and over $13 billion in 2021.\"})]});export const richText40=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Union Home Mortgage is a real estate lending company that offers a range of mortgage products. They provide assistance options for those affected by natural disasters, including a resource guide for property damage. Customers can contact their Customer Service Department for support. The company has loan officers like Mike Wickham who can be reached via phone or email. They offer different mortgage types such as Conventional, FHA, VA, USDA, Rehab, and New Construction loans. Union Home Mortgage aims to provide equal housing opportunity and supports an affirmative marketing program. The website also includes information about the company, leadership, careers, and contact details. Additionally, they offer various tools and resources including mortgage and refinance calculators, a blog, and access to COVID-19 resources.\"})});export const richText41=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Conventional, FHA, VA, USDA, Rehab, and New Construction are the loan programs offered by Union Home Mortgage.\"})});export const richText42=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Indiana (17619)\"})});export const richText43=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"As a LOCAL LENDER,  I am dedicated to helping home buyers find the BEST mortgage solution for them, whether it is FHA, VA, USDA or Conventional financing. Purchasing, Refinancing, Investing, Debt Consolidation, Second Homes, First Time Buyers, and Moving to your Next Home.  My team is accustomed to walking clients through the buying process from beginning to the closing table. \"}),/*#__PURE__*/e(\"p\",{children:\"We provide a full range of mortgage products, competitive interest rates, and the highest level of service. Whether you are purchasing or refinancing, my team will provide you with detailed information and guide you along the way. We are a Direct Mortgage Lender, meaning we process, underwrite, and close the loan and our money goes to the closing table. We have an experienced team of Processors, Underwriters and Closers; and with everything done under one roof, you can be assured everything will run as smooth as possible. \"}),/*#__PURE__*/e(\"p\",{children:\"As a Nationally Registered and State Licensed Mortgage Loan Originator in Indiana and Illinois, I have specialized in home financing for 20 years. I have established a high level of trust and respect from my past clients, real estate agents and business partners by showing my honesty, loan knowledge, and attention to detail. \"}),/*#__PURE__*/e(\"p\",{children:\"Residential Mortgage Loan Originator NMLS# 209470, Powered by Direct Mortgage Loans, Equal Housing Lender,, www.nmlsconsumeraccess.org --  Indiana and Illinois Residential Mortgage Licensee \"}),/*#__PURE__*/e(\"p\",{children:\"Call Michelle now at 219-501-1011 or email at mjacinto@directmortgageloans.com \"}),/*#__PURE__*/e(\"p\",{children:\"The mortgage process can be confusing. I pride myself in making sure my customers understand all their choices and get the best value. I believe good communication breeds confident decision makers and respect goes a long way. If you treat people the way you want to be treated, it will come back to you. It is a great feeling when past clients come back to me for help on their next home purchase or refinance; or when they refer their friends, co-workers and relatives. My business comes from your referrals and I am never too busy for them! My goal is not only to assist you with your current transaction but to provide an excellent level of service and personalized care that drives you to contact me for all of your future mortgage needs. \"}),/*#__PURE__*/e(\"p\",{children:\"Call Michelle now at 219-51-1011 or email at mjacinto@directmortgageloans.com  \"}),/*#__PURE__*/e(\"p\",{children:\"Contact me today to find the best loan for your needs!  Call Michelle now at 219-501-1011 or email at mjacinto@directmortgageloans.com \"})]});export const richText44=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Direct Mortgage Loans, LLC, is a real estate lending company led by Michelle Jacinto, the Branch Manager. Michelle brings over 20 years of experience in the mortgage industry and holds licenses in both Indiana and Illinois. The company serves clients in Illinois, Indiana, and Louisiana. Michelle takes pride in helping people achieve their goals of homeownership, providing not just a place to live but also stability to build lasting memories. She values her relationships with clients and business partners, which have grown significantly through her work in this industry. When not working, Michelle enjoys watching movies with her family, traveling to Las Vegas or beaches, and spending time with friends and loved ones. The company has received positive reviews from satisfied clients who appreciate the team's professionalism, knowledge, and outstanding customer service. Direct Mortgage Loans offers a stress-free and personalized home-buying experience, guiding clients through the process from pre-approval to loan options selection to enjoying their new homes. They provide a free home buyer guide and offer various mortgage calculators on their website. The company is licensed and ensures compliance with all relevant laws and regulations, prioritizing consumer protection and privacy.\"})});export const richText45=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Loan Programs: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: Traditional mortgage loans with fixed or adjustable interest rates that conform to guidelines set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Backed by the Federal Housing Administration, these loans are suitable for first-time homebuyers with lower down payment requirements and flexible qualification criteria. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Exclusive to veterans, active-duty service members, and their eligible spouses, VA loans provide 100% financing options and generally require no mortgage insurance. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Designed for low-to-moderate-income borrowers in rural areas, USDA loans offer low interest rates and allow for 100% financing. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: Offered for loan amounts that exceed the limits set by Fannie Mae and Freddie Mac, jumbo loans cater to individuals seeking high-value properties. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Renovation Loans: These loans cover the purchase price and renovation costs, allowing borrowers to finance home improvements in a single loan. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Reverse Mortgages: Tailored for older homeowners, reverse mortgages provide a way to convert home equity into funds without requiring monthly mortgage payments.* \"}),/*#__PURE__*/e(\"p\",{children:\"*Please note that Reverse Mortgages come with specific requirements and should be carefully considered before applying. \"}),/*#__PURE__*/e(\"p\",{children:\"For further details on each loan program, please contact our team directly. \"}),/*#__PURE__*/e(\"p\",{children:\"Apply Now or Upload Documents to get started on your loan application.\"})]});export const richText46=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Illinois (031.0021018), Indiana (11564)\"})});export const richText47=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Buying, refinancing \u2014 whatever you need. You can count on the nation's leading residential lender to be right there with you, guiding you through the process. Whether you're just starting to explore your options or you're ready to make a move, talk to us. We'll give you the information you need and help you understand your home loan options.\"})});export const richText48=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Wells Fargo Bank, National Association is a real estate lending company that offers various mortgage loan options. They provide personalized rate quotes for buying or refinancing homes without impacting credit scores. As a Wells Fargo customer, you gain access to exclusive real estate shopping tools, mortgage estimates, and guidance throughout the homebuying process. They also offer refinancing options, including tools to calculate potential savings and assess your home's value. With their cash-out refinance option, you can pay for expenses like home improvements or debt consolidation. Additionally, Wells Fargo provides benefits such as down payment grants, closing cost credits, and mortgage discounts based on eligible assets. They offer mortgage calculators, rate information, and educational articles to help customers make informed decisions. Existing customers can manage their accounts easily. The company addresses common mortgage-related questions and showcases positive customer testimonials. Contacting Wells Fargo's mortgage consultants can be done via phone or through their website.\"})});export const richText49=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Wells Fargo Bank, National Association offers the following loan programs: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Home Mortgage Loans: \"}),/*#__PURE__*/e(\"p\",{children:\"   - Personalized rate quotes for buying or refinancing \"}),/*#__PURE__*/e(\"p\",{children:\"   - Customized mortgage estimates without affecting credit score \"}),/*#__PURE__*/e(\"p\",{children:\"   - Exclusive real estate shopping tool for Wells Fargo customers \"}),/*#__PURE__*/e(\"p\",{children:\"   - Guidance through the homebuying process \"}),/*#__PURE__*/e(\"p\",{children:\"   - Mortgage application submission and support \"}),/*#__PURE__*/e(\"p\",{children:\"2. Refinancing: \"}),/*#__PURE__*/e(\"p\",{children:\"   - Tool to calculate potential monthly savings with current rates \"}),/*#__PURE__*/e(\"p\",{children:\"   - Estimate your home's value and explore renovation options \"}),/*#__PURE__*/e(\"p\",{children:\"   - Cash-out refinance option for home improvements, education, or debt consolidation \"}),/*#__PURE__*/e(\"p\",{children:\"   - Fast online application process \"}),/*#__PURE__*/e(\"p\",{children:\"3. Additional Benefits: \"}),/*#__PURE__*/e(\"p\",{children:\"   - $10,000 down payment grant for eligible borrowers in select locations \"}),/*#__PURE__*/e(\"p\",{children:\"   - Up to $5,000 closing cost credit for eligible buyers of primary homes \"}),/*#__PURE__*/e(\"p\",{children:\"   - Potential interest rate discounts on jumbo loans based on eligible assets \"}),/*#__PURE__*/e(\"p\",{children:\"   - Mortgage tools including calculators, rate information, and learning center resources \"}),/*#__PURE__*/e(\"p\",{children:\"4. Common Mortgage Questions: \"}),/*#__PURE__*/e(\"p\",{children:\"   - Affordability estimation \"}),/*#__PURE__*/e(\"p\",{children:\"   - Review of financial factors by the lender \"}),/*#__PURE__*/e(\"p\",{children:\"   - Minimum down payment requirements for conventional, FHA, and VA loans \"}),/*#__PURE__*/e(\"p\",{children:\"   - Consideration of other costs involved in a mortgage \"}),/*#__PURE__*/e(\"p\",{children:\"For more information or to speak with a mortgage consultant, call 1-877-937-9357 or check the website for contact options.\"})]});export const richText50=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We close our client's loans on time, under budget, with no surprises.  Just read the reviews! \"}),/*#__PURE__*/e(\"p\",{children:\"I'm a the team leader and also an active loan originator at Fairway Independent Mortgage in Des Moines, Iowa.  Our company is a correspondent bank, offering programs from many different banks/lenders, all with an in-house underwriting process.  What this means is a very competitive rate/cost with a much more smooth process from start to finish.  With this structure we're able to control the process while offering extremely competitive solutions for each individual client's needs. \"}),/*#__PURE__*/e(\"p\",{children:\"I have personally been in the mortgage business for 17 years now. I have had the opportunity to help hundreds of Iowans and hope I can earn the opportunity to take care of you as well.  Our team works to deliver the best possible experience for each client, every time.   Fast responses.  Competitive rates.  And, an unmatched home buying and refinancing experience.   \"}),/*#__PURE__*/e(\"p\",{children:\"When I'm not originating loans, I enjoy spending time with my wife and three daughters, dining at local restaurants, going to great concerts and making memeories. I also enjoy speaking to local high school and college students about financial literacy and business. \"}),/*#__PURE__*/e(\"p\",{children:\"If you have any questions related to purchasing or refinancing a home in Iowa, please reach out! I'd love to help you out! I also encourage you to take a look at our online reviews - we've been blessed to have extremely generous clients in providing their feedback in working with us!  \"}),/*#__PURE__*/e(\"p\",{children:\"Tyler Eugene Osby, Iowa NMLS ID #8668 // Fairway Independent Mortgage Corporation NMLS ID #2289 // Legal Disclosure Link: bit.ly/FIMCDisclosures. \"})]});export const richText51=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Fairway Independent Mortgage Corporation, NMLS #2289, is a reputable lending company based in Iowa. Led by Tyler Osby, NMLS #8668, the company boasts a strong track record of satisfied clients. Their team provides exceptional service, guiding clients through the mortgage application process with care and expertise. Utilizing their online application, clients can conveniently apply for a mortgage in just 10 minutes. The company offers a no-obligation consultation to discuss loan options once the application is received. Pre-qualification letters are provided, along with customized home loan reports and copies of FICO scores. Fairway Independent Mortgage Corporation is committed to top-notch customer service, as evidenced by numerous positive reviews on platforms such as Trulia, Facebook, Zillow, LinkedIn, Angie's List, and Google. Clients praise the professionalism, accessibility, and trustworthiness of Tyler Osby and his team. Whether seeking a mortgage for a first-time home purchase, refinance, or other needs, Fairway Independent Mortgage Corporation aims to exceed expectations and provide a stress-free experience for their clients.\"})});export const richText52=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Loan Programs:  \"}),/*#__PURE__*/e(\"p\",{children:\"- Conventional Loans: Fairway Independent Mortgage Corporation offers conventional loans, which are traditional mortgage loans that conform to the guidelines set by government-sponsored enterprises like Fannie Mae and Freddie Mac. These loans generally require a down payment and have fixed or adjustable interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"- FHA Loans: The company also provides FHA loans, insured by the Federal Housing Administration. These loans are designed to assist first-time homebuyers or individuals with low to moderate income. They offer low down payments and flexible qualification criteria. \"}),/*#__PURE__*/e(\"p\",{children:\"- VA Loans: Fairway Independent Mortgage Corporation offers VA loans, backed by the U.S. Department of Veterans Affairs. These loans are exclusively available to veterans, active-duty service members, and eligible surviving spouses. They provide competitive interest rates, no down payment requirements, and favorable terms. \"}),/*#__PURE__*/e(\"p\",{children:\"- USDA Rural Development Loans: The company provides USDA Rural Development loans, insured by the U.S. Department of Agriculture. These loans are designed for rural and suburban homebuyers who meet specific income and property location requirements. They offer low or no down payment options to help individuals achieve homeownership. \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo Loans: Fairway Independent Mortgage Corporation offers jumbo loans, which exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are ideal for financing higher-priced properties. They offer flexibility in loan amounts and terms. \"}),/*#__PURE__*/e(\"p\",{children:\"- Renovation Loans: The company provides renovation loans, such as FHA 203(k) and Fannie Mae HomeStyle loans. These loans combine the purchase price of a property and the cost of renovations into one convenient loan. They allow borrowers to finance repairs, improvements, or upgrades to their homes. \"}),/*#__PURE__*/e(\"p\",{children:\"- Reverse Mortgages: Fairway Independent Mortgage Corporation offers reverse mortgages, specifically the Home Equity Conversion Mortgage (HECM) program insured by the Federal Housing Administration. This program allows qualified homeowners aged 62 and older to convert a portion of their home equity into loan proceeds, providing financial flexibility in retirement. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that eligibility requirements, terms, and conditions may apply for each loan program. It is advisable to contact Fairway Independent Mortgage Corporation directly or consult a loan officer for more detailed information regarding specific loan programs.\"})]});export const richText53=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (19545)\"})});export const richText54=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"I don't claim to be Shakespeare and write a witty, thoughtful sonnet of why I am the best mortgage lender for you.  It's best for me put down in bullet points why I am the best for you: \"}),/*#__PURE__*/e(\"p\",{children:\"*  Zillow's #1 rated lender in the Quad Cities--read the reviews, that is all you need to do to realize you are in good hands. \"}),/*#__PURE__*/e(\"p\",{children:\"*  Over 25 years experience in mortgage lending \"}),/*#__PURE__*/e(\"p\",{children:\"*  My day doesn't end at 5 PM; my phone is on to take your calls nights and weekends. I am available when you are available \"}),/*#__PURE__*/e(\"p\",{children:\"* NEXA Mortgage allows me access to over 240 lenders and 4000 loan programs  How can I help? \"}),/*#__PURE__*/e(\"p\",{children:\"-Approvals on FHA, USDA, and VA loans with credit scores down to 500 \"}),/*#__PURE__*/e(\"p\",{children:\"-No FICO score, no problem! \"}),/*#__PURE__*/e(\"p\",{children:\"-Use 1099 or bank statements to verify income vs. tax returns \"}),/*#__PURE__*/e(\"p\",{children:\"-Loans approved without ANY income  verification \"}),/*#__PURE__*/e(\"p\",{children:\"-Commercial loans \"}),/*#__PURE__*/e(\"p\",{children:\"-No income verification to buy rental property??? NO PROBLEM! Your credit and down payment are all you need.  \"}),/*#__PURE__*/e(\"p\",{children:\"-Consistently lower rates than the competition \"}),/*#__PURE__*/e(\"p\",{children:\"Interested in pursuing home loan prequalification or refinance?? Apply today at: \"}),/*#__PURE__*/e(\"p\",{children:\"kraigsleaford.com \"})]});export const richText55=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"NEXA Mortgage is a real estate lending company that specializes in providing low rate mortgages. Kraig Sleaford, the mortgage loan originator, aims to simplify the mortgage process for clients. They offer outstanding communication and follow-up, professional support, competitive low rates, and ensure timely loan closings. NEXA Mortgage assists various types of clients, including first-time home buyers, move-up buyers, refinancing homeowners, investment buyers, and seniors seeking reverse mortgages. The company has received positive feedback from satisfied customers, highlighting Kraig's knowledge, professionalism, and ease of the closing process. NEXA Mortgage is committed to delivering excellent service and is licensed in IA, IL, and AZ.\"})});export const richText56=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Loan Programs: \"}),/*#__PURE__*/e(\"p\",{children:\"   1. First Time Home Buyers: Assistance for those purchasing a home for the first time, providing guidance throughout the process to secure mortgage approval. \"}),/*#__PURE__*/e(\"p\",{children:\"   2. Move-Up/Next Home Buyers: Support for buying a new home while already owning one, offering advice and assistance in qualifying for a primary or vacation home. \"}),/*#__PURE__*/e(\"p\",{children:\"   3. Refinancing Home Owners: Help with refinancing options for homeowners looking to obtain lower rates, payments, or access cash from their property. \"}),/*#__PURE__*/e(\"p\",{children:\"   4. Investment Buyers: Assistance in securing low-rate financing for real estate investment purposes, maximizing return on investment (ROI). \"}),/*#__PURE__*/e(\"p\",{children:\"   5. Seniors Seeking Reverse Mortgages: Information and answers regarding reverse mortgages for individuals aged 62 and older, allowing them to stay in their homes without mortgage payments or access equity. \"}),/*#__PURE__*/e(\"p\",{children:\"Note: This list may not be exhaustive, as additional loan programs could be available aside from those mentioned here.\"})]});export const richText57=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (48969), Illinois (031.0078753)\"})});export const richText58=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"I have been a mortgage professional for over 20 years. I began working on the ground floor as a junior loan officer and worked my way up to an owner/manager early in my career. I aligned myself with CMG Financial because it is one of the most reputable and innovative Mortgage Banks in the nation whose quality of service and products is unparalleled. \"}),/*#__PURE__*/e(\"p\",{children:\"The majority of my business is referral-based and repeat clients. I work with several top Real Estate agents and several highly reputable local Home Builders. I am able to maintain these relationships by being honest, straight-forward, and invested in the process with both my referral sources and my clients. Excellent communication has been one of the primary keys to my continued success. My goal is to make sure my clients understand the entire process from the initial application, to the closing table, and beyond. \"}),/*#__PURE__*/e(\"p\",{children:\"I am happily married to the love of my life and a father of two wonderful kids. I am very involved in the community, specifically with the soccer club and my local school district. I have invested over 10 years coaching soccer from the U6 club level teams all the way through high school. My wife and I continuously try and give back to the community through one of our community partnership programs. \"})]});export const richText59=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"CMG Financial is a real estate lending company with a focus on mortgage financing. The company was founded in 2006 and offers a range of loan products for purchase, refinance, and selling transactions. They have a team of experienced professionals led by Branch Manager Deric Kidd, who has been working in the industry since 1998. CMG Financial values integrity, excellent communication, and treating clients with respect and honesty. They aim to make the home loan process simple and provide guidance to clients from application to closing. CMG Financial is committed to serving the community and has a strong background in philanthropy. They offer the CMG HOME mobile app to assist customers in their home search and connect them directly to loan officers and realtors. With licenses in all 50 states, CMG Financial strives to provide equal housing opportunity and emphasizes the importance of web accessibility, licensing, privacy policy, and terms of use.\"})});export const richText60=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Loan Programs offered by CMG Financial include: \"}),/*#__PURE__*/e(\"p\",{children:\"  1. Conventional Loans: Traditional mortgage loans that are not insured or guaranteed by the government. \"}),/*#__PURE__*/e(\"p\",{children:\"  2. FHA Loans: Backed by the Federal Housing Administration, these loans offer a low down payment option for homebuyers. \"}),/*#__PURE__*/e(\"p\",{children:\"  3. VA Loans: Designed for eligible veterans and active-duty military personnel, VA loans provide favorable terms and benefits. \"}),/*#__PURE__*/e(\"p\",{children:\"  4. USDA Loans: These loans are specifically for rural properties and offer low or no down payment options. \"}),/*#__PURE__*/e(\"p\",{children:\"  5. Jumbo Loans: For higher-priced properties, jumbo loans provide financing above the conventional loan limits. \"}),/*#__PURE__*/e(\"p\",{children:\"  6. Renovation Loans: CMG Financial offers loan programs that allow buyers to finance both the purchase price and renovation costs, such as FHA 203(k) loans. \"}),/*#__PURE__*/e(\"p\",{children:\"  7. Reverse Mortgages: Designed for homeowners aged 62 and older, reverse mortgages allow individuals to convert a portion of their home equity into cash. \"}),/*#__PURE__*/e(\"p\",{children:\"  8. Down Payment Assistance: CMG Financial helps eligible homebuyers access down payment assistance programs that can help reduce the upfront costs. \"}),/*#__PURE__*/e(\"p\",{children:\"  9. Investment Property Loans: CMG Financial offers financing options for individuals interested in purchasing investment properties. \"}),/*#__PURE__*/e(\"p\",{children:\"  10. Portfolio Lending: CMG Financial provides portfolio lending options for unique borrower situations or properties that don't fit traditional loan guidelines. \"}),/*#__PURE__*/e(\"p\",{children:\"Note: The provided information is based on the content available. Please refer to CMG Financial's official website for more comprehensive and up-to-date details on their loan programs.\"})]});export const richText61=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (19317)\"})});export const richText62=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Born and raised here in Des Moines, IA., I have been a mortgage banking educator for over 23 years. I work diligently for my clients to ensure I understand their needs so I can put them in the financing program that best fits their situation. Getting a mortgage in today's environment can prove challenging at times. Working with me you can be certain of a smooth and seamless transaction. From start to finish, I will be there every step of the way.  \"}),/*#__PURE__*/e(\"p\",{children:\"About me personally, I am married and have 2 boys. They are my pride and joy. In my spare time I enjoy spending time with family, traveling, skiing, hiking and home improvement projects.  \"}),/*#__PURE__*/e(\"p\",{children:\"Please let me know if I can give you a mortgage consultation. My advice is always free, and will definitely leave you knowing more than you did before. Being armed with an understanding of the process will assist in putting our borrowers in a position to help them grow and succeed.\"})]});export const richText63=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Fortress Bank is a real estate lending company that operates in accordance with federal regulations. As a financial institution, we comply with the law by obtaining, verifying, and recording customer information to prevent terrorism funding and money laundering. When you open an account with us, we will request necessary details such as your name, address, date of birth, and other identification information. To ensure compliance, we may ask you to provide additional documents like your driver's license.\"})});export const richText64=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Residential Mortgage Loans: We offer loans for purchasing or refinancing residential properties. Our mortgage loans come with competitive interest rates and flexible terms, allowing you to find the best option for your needs. \"}),/*#__PURE__*/e(\"p\",{children:\"- Commercial Real Estate Loans: If you're looking to invest in commercial properties or expand your business, our commercial real estate loans can provide the necessary funding. Whether it's for purchasing a property or refinancing an existing loan, we offer customizable solutions to suit your requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- Construction Loans: For those planning to build or renovate a property, our construction loans offer the necessary funds during the construction process. You can borrow based on the projected value of the property upon completion, and repayment terms can be tailored to match the project timeline. \"}),/*#__PURE__*/e(\"p\",{children:\"- Bridge Loans: If you need short-term financing while waiting for long-term financing or resolving other financial obligations, our bridge loans can help bridge the gap. These loans provide temporary funds until a permanent financing solution is secured. \"}),/*#__PURE__*/e(\"p\",{children:\"- Investment Property Loans: If you're interested in real estate investments beyond your primary residence, our investment property loans can assist in financing purchases. Whether it's a rental property or a fix-and-flip opportunity, we can provide lending options to maximize your investment potential. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Equity Loans: Our home equity loans allow homeowners to access funds by leveraging the equity they have built in their property. This type of loan can be used for various purposes, such as home improvements, debt consolidation, or major expenses. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that specific terms, requirements, and eligibility criteria apply to each loan program. For more detailed information or to discuss your specific lending needs, please reach out to our team who will be happy to assist you.\"})]});export const richText65=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Hi, I hope you are doing well and having a great day! My name is David Orsinger and I am glad you found me. \"}),/*#__PURE__*/e(\"p\",{children:\"It has been 20 years ago since I started my mortgage lending career and I have helped hundreds of people realize their dream of home ownership or improve their situation thru refinancing and I welcome the opportunity to help you. \"}),/*#__PURE__*/e(\"p\",{children:\"If you or your relatives, friends, neighbors, associates etc. are looking to purchase a new home, refinance their current home or another property they may own I can help.  \"}),/*#__PURE__*/e(\"p\",{children:\"I can do residential & investment property loans.  The types of loans I do are Conventional, FHA, VA, USDA and Jumbo and I can find a loan product that works best for you. \"}),/*#__PURE__*/e(\"p\",{children:\"Sincerely, \"}),/*#__PURE__*/e(\"p\",{children:\"David Orsinger \"}),/*#__PURE__*/e(\"p\",{children:\"AZ BK 0906702 \"}),/*#__PURE__*/e(\"p\",{children:\"Licensed by the Dept of Financial Protection and Innovation under the CRMLA\"})]});export const richText66=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Hello, welcome to my page. David Orsinger has lived in Iowa most of his life. He is a Mortgage Loan Specialist with over 20 years of experience. He aims to find the best loan options for clients looking to purchase a new home, second home, investment property, or refinance their existing mortgage. David specializes in various residential home financing types, including Conventional, FHA, VA, USDA, construction, and HECM loans. His team handles the entire loan process, from start to finish, in-house. David provides credit advice and can assist with financing needs in most states. Testimonials commend his excellent customer service, honesty, and dedication. The loan process involves pre-approval, shopping for properties, loan application, processing, underwriting, and closing.\"})});export const richText67=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Conventional Loan: A type of mortgage loan that follows the guidelines set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"- FHA Loan: A government-backed loan insured by the Federal Housing Administration, typically requiring a lower down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"- VA Loan: A loan program for eligible veterans, active-duty service members, and surviving spouses, offering favorable terms with no down payment requirement. \"}),/*#__PURE__*/e(\"p\",{children:\"- USDA Loan: A loan program for rural and suburban homebuyers, backed by the United States Department of Agriculture, with low to no down payment options. \"}),/*#__PURE__*/e(\"p\",{children:\"- Construction Loan: Financing for custom-built homes or major renovations, providing funds at different stages of the construction process. \"}),/*#__PURE__*/e(\"p\",{children:\"- HECM (Home Equity Conversion Mortgage): A reverse mortgage program that allows homeowners aged 62 and older to convert their home equity into cash. \"}),/*#__PURE__*/e(\"p\",{children:\"- Rate & Term Refinance: Refinancing an existing loan for the purpose of obtaining a better interest rate or adjusting the loan's term. \"}),/*#__PURE__*/e(\"p\",{children:\"- Cash-Out Refinance: Refinancing that allows homeowners to tap into their home equity by borrowing more than the outstanding balance on their current mortgage. \"}),/*#__PURE__*/e(\"p\",{children:\"- Debt Consolidation Refinance: Refinancing to consolidate multiple debts into a single mortgage payment, often resulting in a lower overall monthly payment. \"}),/*#__PURE__*/e(\"p\",{children:\"- Term Reduction Refinance: Refinancing to shorten the loan term and pay off the mortgage faster, potentially saving on interest payments. \"}),/*#__PURE__*/e(\"p\",{children:\"- PMI Reduction or Elimination: Loan programs available to reduce or eliminate the need for Private Mortgage Insurance (PMI).\"})]});export const richText68=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Colorado (), Iowa (19306), Missouri (51709)\"})});export const richText69=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"American Bank and Trust began as a neighborhood bank on the Hilltop in Rock Island, Illinois in 1968. It began with a simple idea \u2013 that customers should receive the same kind of friendly and personalized service we would appreciate ourselves. This simple philosophy has helped us grow to become a  locally-owned regional financial services company in the Quad Cities, Illinois/Iowa and northeast Illinois market areas (Kane County). Our primary emphasis is to provide excellent service at a fair price and to establish, develop and retain long-term, relationship banking opportunities. We are passionate and accountable for the financial success of each client served. Our clients enjoy a complete range of custom-tailored services such as: personal banking, commercial banking, private banking, cash management, consumer loans, residential mortgage loans, trust services and wealth management solutions all delivered with courtesy, competency and concern. \"}),/*#__PURE__*/e(\"p\",{children:\"Much of our history also revolves around our focus on the needs of local businesses. We believe there will always be a place for a bank that provides personalized service and local decision making. \"}),/*#__PURE__*/e(\"p\",{children:\"American Bank and Trust endorses a community-oriented spirit, fostered by an experienced, energetic leadership team that includes a unique blend of business entrepreneurs and experienced banking professionals. It\u2019s a perspective that has served our clients well, and has also allowed us to expand our product offerings and expertise in two separate and distinct market areas. \"}),/*#__PURE__*/e(\"p\",{children:\"While a lot has changed since we opened our doors in 1968, some very important things haven't.  Our passion to serve families who call this place home.  Our commitment to the companies who ignite economic growth.  And our pride in being an independent community bank.  We will continue to prove every day that together we can.   Member FDIC.   Equal Housing Lender.\"})]});export const richText70=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"American Bank and Trust Company NA is a financial institution that offers a range of services to its customers. Our Wealth Management services are designed to help individuals build wealth for the present and future. We strive to be the right financial partner for our customers, empowering them to achieve their best financial selves. Our offerings include home loans, credit cards, and business cash access through Core Business Checking. We also provide the opportunity for businesses to earn premium interest rates on balances over $25,000 with our High Yield Money Market account. For those looking to start investing, we offer Marstone's investing tool to create personalized investment plans. Additionally, our free online financial wellness site allows customers to explore possibilities, get answers to questions, educate their families, and make plans. At American Bank & Trust, we value your privacy and use cookies to enhance your browsing experience. For more information on our services and how to manage cookies, please refer to our Website Security and Cookie Policy.\"})});export const richText71=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Residential Mortgage Loans: We offer mortgage loans for purchasing or refinancing residential properties. Our team of experts will assist you in finding the right loan option based on your needs and financial situation. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Equity Loans: Utilize the equity in your home to access funds for various purposes such as home renovations, debt consolidation, or major expenses. Our home equity loan programs provide flexible terms and competitive interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"- Construction Loans: If you're planning to build a new home, our construction loan options can provide the necessary financing for the construction phase. We work closely with builders and contractors to ensure a smooth loan process. \"}),/*#__PURE__*/e(\"p\",{children:\"- Commercial Real Estate Loans: For businesses looking to acquire or refinance commercial properties, we offer commercial real estate loan programs. Our experienced lenders will work with you to structure a loan that meets your business objectives. \"}),/*#__PURE__*/e(\"p\",{children:\"- Small Business Administration (SBA) Loans: American Bank and Trust Company NA is an approved SBA lender, providing government-backed loan options to small businesses. These loans offer favorable terms and support various business needs. \"}),/*#__PURE__*/e(\"p\",{children:\"- Investment Property Loans: If you're interested in investing in rental properties or expanding your real estate portfolio, our investment property loan programs can help you finance the purchase. \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo Loans: For high-value properties that exceed conforming loan limits, we offer jumbo loan programs. These loans provide financing options that cater to the unique needs of luxury home buyers. \"}),/*#__PURE__*/e(\"p\",{children:\"- Reverse Mortgages: Designed for qualified homeowners aged 62 and older, our reverse mortgage programs allow individuals to convert a portion of their home's equity into cash or establish a line of credit while retaining homeownership. \"}),/*#__PURE__*/e(\"p\",{children:\"- Refinance Loans: Whether you aim to lower your monthly payments, secure a better interest rate, or switch to a different loan term, our refinance loan options enable homeowners to modify their existing mortgages. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that the availability of these loan programs and specific terms may vary based on factors such as location and individual eligibility. We recommend contacting our loan officers for further information and to discuss your specific borrowing needs.\"})]});export const richText72=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Everyone dreams of owning their own home and at Community 1st Credit Union, we are here to help you realize those dreams. From a mortgage to help you purchase your first home, to the mortgage that will help you buy your dream home, we have a variety of products with rates and terms to meet your needs.\"})});export const richText73=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"At C1st Mortgage, we offer a range of mortgage loans tailored to your needs. Whether you're purchasing a home, refinancing, or looking to use your home's equity, we have the right options for you. Our experienced mortgage team will guide you throughout the process. You can conveniently apply online or visit our nearest branch for personalized support. We provide competitive interest rates, quick decision-making, first-time buyer programs, and up to 100% financing for primary residence new purchases. Subject to membership and approval. Contact our Mortgage Loan Officers or visit our Learning Center for more information. We prioritize privacy and are federally insured by the National Credit Union Administration. NMLS ID: 405622.\"})});export const richText74=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Home Purchasing: Whether you've found your dream home or are just starting the search, Community 1st Credit Union offers mortgage loans to help you in your home-purchasing journey. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Refinancing: If you're considering a remodel, consolidating debt, or looking to pay off your loan faster, Community 1st Credit Union provides refinancing options for homeowners. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Equity Loans: Utilize the equity in your home to borrow money at a low cost through Community 1st Credit Union's home equity loan program. \"}),/*#__PURE__*/e(\"p\",{children:\"- Why Choose C1st Mortgage?: Community 1st Credit Union aims to assist you in realizing your dream of homeownership. Their experienced mortgage team guides you throughout the process. They offer competitive interest rates, quick and local decision making, first-time buyer programs, down payment assistance, and even 100% financing for primary residence purchases. With an easy online application and the option for in-person guidance at branch locations, Community 1st Credit Union strives to provide a simple, secure, and efficient mortgage experience.\"})]});export const richText75=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"My education in economics and finance along with 17 years of mortgage banking experience make me well-qualified to handle all the mortgage options available.  These options include Conventional Freddie Mac/Fannie Mae, VA, FHA, USDA, IFA, and the Federal Home Loan Bank Homestart grant program.  I believe in consistent communication with all parties involved in the transaction and superior customer service. I believe that honesty is not only the morally correct approach but also the most efficient way to do business. We are an Iowa Finance Authority Preferred Partner.\"})});export const richText76=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"CMG Home Loans delivers personalized service as a local lender, operating in all 50 states and the District of Columbia. They have earned over 1200 positive reviews on Zillow for reliable preapprovals, easy transactions, on-time closings, and transparent communication. CMG is known for innovative mortgage products, including HomeFundIt (a down payment crowdfunding platform) and the All In One Loan. They hold federal agency lending approvals and their loan officers specialize in new purchases and refinancing. CMG Home Loans offers a mobile app for seamless home search and mortgage financing, and they prioritize wire fraud prevention. They are licensed in multiple states and comply with relevant regulations.\"})});export const richText77=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- All In One Loan: A loan program offered by CMG Financial that allows borrowers to take equity out of their house for home improvements without needing a second mortgage. It provides a smarter way to borrow by combining various loan features into one package. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that I couldn't find further details about other loan programs offered by CMG Financial based on the given information. It's recommended to visit their official website or contact them directly for more information on their loan programs.\"})]});export const richText78=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (48819)\"})});export const richText79=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"I believe my greatest strengths are my traditional Iowa values and my work ethic. I am deeply passionate about building lasting relationships by listening to my client\u2019s individual needs and helping them achieve their financial goals. With a dedication to providing unparalleled customer service, I help my clients make well-informed financial decisions to achieve their dreams of home ownership. With 13 years experience in the mortgage industry, I specialize in everything mortgage! Here with River's Edge Mortgage we offer the best First Time Home Buyer Programs in the market, along with Renovation Loans, 100% Financing, and we Offer Fannie Mae, Freddie Mac, and Ginnie Mae Loan Program Options. We also offer several VA, USDA, and FHA loan programs. Our Refinance options are endless as well regardless if you are wanting a lower payment, lowering your rate or term, debt consolidation, or even home improvements we have options or you!  \"}),/*#__PURE__*/e(\"p\",{children:\"Here with River's Edge Mortgage we want you to be our client for life...and we treat you accordingly. We strive to build lasting relationships that enable each and every person relying on us for their financing needs the opportunity to achieve the American dream. We know that the purchase of a home is a large investment - both financially and emotionally - and we know that borrowers have many options. Our clients choose us because we keep rates low and fees to a minimum; provide speedy pre-approvals; present a diverse array of loan solutions to fit individual needs; and ensure smooth, problem-free closings. We feel that our relationship should not end at the closing table, as is the case with most lenders; but it should continue over time through future follow-up calls, emails, and letters about topics including market updates and refinancing opportunities.  \"}),/*#__PURE__*/e(\"p\",{children:\"River's Edge Mortgage, A Division of American Pacific Mortgage Corporation NMLS 1850 \"})]});export const richText80=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"At River's Edge Mortgage, we are dedicated to serving the home financing needs of individuals, families, and communities in Waterloo, IA. Our mission is to create meaningful experiences throughout the home ownership journey. Whether you're purchasing your first home, investing in a new property, or building your dream home, we will provide you with confidence, knowledge, and expert guidance from loan application to closing. Contact our experienced Loan Advisors \u2013 John Higdon (Branch Manager), Dacia Tague, and Derek Forsythe \u2013 who are ready to assist you. You can find us at 999 Home Plaza, Suite 203, Waterloo, IA 50701. Submit your feedback or learn more about our company at riversedgemortgage.com.\"})});export const richText81=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"River's Edge Mortgage offers a range of loan programs to meet the diverse financing needs of our clients. Our loan programs include: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: These loans are not guaranteed or insured by any government agency and can be used for purchasing or refinancing a home. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are specifically designed for first-time homebuyers and individuals with lower credit scores. They offer competitive interest rates and require a lower down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Exclusively available to veterans, active-duty service members, and eligible surviving spouses, VA loans provide flexible financing options with no or low down payments. These loans are guaranteed by the Department of Veterans Affairs. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Offered by the United States Department of Agriculture, USDA loans are designed for low- to moderate-income borrowers in rural areas. They provide 100% financing and competitive interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: If you're looking to finance a higher-priced property, our jumbo loan program can accommodate your needs. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Construction Loans: If you're planning to build your dream home, our construction loan program offers financing throughout the construction process, typically transitioning into a permanent mortgage upon completion. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that the availability of these programs, as well as their rates, terms, and underwriting policies, may vary and are subject to change without notice. Contact our experienced loan advisors to discuss your specific needs and find the right loan program for you.\"})]});export const richText82=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Florida (LO64821), Iowa (26048), Illinois (031.0058417), Kansas (LO.0042000), Minnesota (MN-MLO-929683), Missouri (929683), Nebraska (), Wisconsin (929683)\"})});export const richText83=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"I'd appreciate the opportunity to put my 25 years of mortgage lending experience to work for you. Motto Mortgage works directly with many of the best wholesale lenders in the country to provide solid, competitive loan options to my clients, while delivering exceptional customer service and greater transparency.\"})});export const richText84=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Motto Mortgage Midwest is a real estate lending company that offers comprehensive and reliable mortgage services to individuals and businesses in the Midwest region. With a focus on customer satisfaction, our company strives to streamline the lending process and ensure a seamless experience for our clients. Our team of experienced professionals provides expert guidance and personalized solutions tailored to each client's unique needs. With a wide range of loan options, including conventional, FHA, VA, and jumbo loans, we are committed to assisting our clients in achieving their homeownership goals. Motto Mortgage Midwest is dedicated to transparency and integrity, earning the trust of our clients through honest and upfront communication. Contact us today to explore your mortgage options and embark on the path to owning your dream home.\"})});export const richText85=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- **Conventional Loans**: Motto Mortgage Midwest offers conventional loans, which are mortgage loans that are not insured or guaranteed by a government agency. These loans typically have fixed or adjustable interest rates and require a down payment of at least 3%. \"}),/*#__PURE__*/e(\"p\",{children:\"- **FHA Loans**: FHA loans, insured by the Federal Housing Administration, are available for those who may not qualify for conventional loans. With lower credit score requirements and a down payment as low as 3.5%, FHA loans can be an attractive option for first-time homebuyers. \"}),/*#__PURE__*/e(\"p\",{children:\"- **VA Loans**: Military personnel, veterans, and their families can benefit from VA loans provided by Motto Mortgage Midwest. These loans are guaranteed by the Department of Veterans Affairs and offer favorable terms, including no down payment requirement and competitive interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"- **USDA Loans**: Motto Mortgage Midwest also offers USDA loans, which are backed by the United States Department of Agriculture. These loans are designed for rural and suburban homebuyers and provide affordable financing options with no down payment requirement. \"}),/*#__PURE__*/e(\"p\",{children:\"- **Jumbo Loans**: For those looking to finance a higher-priced home, Motto Mortgage Midwest provides jumbo loans. These loans exceed the conventional loan limits set by Fannie Mae and Freddie Mac, enabling borrowers to secure financing for luxury properties. \"}),/*#__PURE__*/e(\"p\",{children:\"- **Fixed-Rate Mortgages**: Customers can choose fixed-rate mortgages, where the interest rate remains constant throughout the loan term, providing stability and predictability in monthly payments. \"}),/*#__PURE__*/e(\"p\",{children:\"- **Adjustable-Rate Mortgages (ARM)**: Motto Mortgage Midwest also offers adjustable-rate mortgages, where the interest rate is subject to periodic adjustments based on market conditions. This loan option may be suitable for those who anticipate selling the property or refinancing within a specific period. \"}),/*#__PURE__*/e(\"p\",{children:\"- **Renovation Loans**: Customers interested in purchasing a fixer-upper property can explore renovation loan options provided by Motto Mortgage Midwest. These loans include the cost of home improvements, making it easier to finance both the purchase and renovation of a property. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that the information provided is based on the given context and may not represent the full range of loan programs offered by Motto Mortgage Midwest. It is recommended to visit their official website or consult with their professionals for more detailed and up-to-date information.\"})]});export const richText86=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (32895), Illinois (031.0054579)\"})});export const richText87=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We close loans on time, every time. \"}),/*#__PURE__*/e(\"p\",{children:\"In October 2013, David opened a branch of Gershman Mortgage in Johnston. It was here that David began to notice that we as a society were taking on more and more debt \u2013 young adults entering the work force from college are saddled with student loans, others are carrying the burden of large credit card debt, or they are still feeling the effects of bad financial decisions made years ago. Knowing that existing debt is also a huge obstacle to owning a home, he became a Dave Ramsey \u201CFinancial Peace University\u201D instructor to enhance his work with clients to include debt reduction and enabling clients to live debt free. David\u2019s game plan now includes reducing existing debt, improving your credit score, increasing your ability to save and invest for retirement, ensuring proper insurance coverage in place so your loved ones are taken care of, and ultimately becoming debt free, yet still living the life you always wanted. \"}),/*#__PURE__*/e(\"p\",{children:\"They say success is 20% knowledge and 80% follow through, that\u2019s why David\u2019s job isn\u2019t complete when a client\u2019s loan closes. He is here to help in all financial aspects. David welcomes calls or emails from past clients on questions ranging from budgeting, refinancing, paying off debt, and overall thoughts on investing and saving. As a trusted advisor, David helps guide his clients achieve their goals to continue working toward their long-term aspirations.\"})]});export const richText88=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Gershman Mortgage is a real estate lending company that provides correspondent lending services. For licensing information, please visit the NMLS Consumer Access website. To get in touch with us, please refer to the contact information provided on this webpage.\"})});export const richText89=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Gershman Mortgage offers a range of loan programs: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: Traditional home loans with fixed or adjustable rates, requiring a minimum down payment and typically serving as a primary residence or investment property. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Government-backed loans with flexible qualification criteria, lower down payment requirements, and attractive interest rates, making homeownership more accessible. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Specifically available for veterans, active-duty service members, and eligible surviving spouses, offering favorable terms such as zero or low down payment options. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Geared towards rural and suburban homebuyers, these loans offer low or no down payment options, competitive interest rates, and flexible credit requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: Designed for higher-priced properties that exceed conforming loan limits, providing financing arrangements tailored to meet the needs of borrowers seeking larger loan amounts. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Reverse Mortgages: Tailored for senior homeowners, this program allows eligible individuals to convert a portion of their home equity into funds to support their retirement needs. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Renovation Loans: Financing options for purchasing or refinancing homes in need of repairs or renovations, incorporating repair costs into the mortgage amount. \"}),/*#__PURE__*/e(\"p\",{children:\"8. Construction Loans: Provides funds to build a new home or complete major renovations, with flexible disbursement schedules and interest-only payments during the construction phase. \"}),/*#__PURE__*/e(\"p\",{children:\"Please note that specific loan details, eligibility requirements, and interest rates may vary for each program. For further information or to inquire about other available loan programs, please contact Gershman Mortgage.\"})]});export const richText90=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (19280), Missouri (7518-MLO), Nebraska ()\"})});export const richText91=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"No matter where you are in the home buying process, I can help. As a mortgage loan officer right here in Ames, I work with you to help you find the right mortgage for your unique situation. You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Ames with home financing needs similar to yours. I'm proud to work for a reputable bank like South Story Bank & Trust, and you can trust me to do what's right for you. So give me a call at 515.231.0694.\"})});export const richText92=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Our unique style and building strong, personal relationships generates lifelong customers. At South Story Bank & Trust, we\u2019re here for you every step of the way. Our commitment to you is extraordinary service. We are empowered to identify a need, make a decision, and take action. Our mortgage team is ready to review options and help you select the best home loan. Contact our mortgage bankers for questions or assistance. We offer a variety of home loan options, including fixed rate mortgages, adjustable rate mortgages, FHA loans, VA loans, USDA loans, in-house portfolio loans, home construction loans, jumbo loans, home equity loans, and home equity lines of credit. Learn more about these options and contact our mortgage lenders today.\"})});export const richText93=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Fixed Rate Mortgage: Loan with a fixed interest rate and consistent payments over the loan term. \"}),/*#__PURE__*/e(\"p\",{children:\"Adjustable Rate Mortgage (ARM): Ideal for shorter periods of homeownership, taking advantage of lower interest rates for a designated period. \"}),/*#__PURE__*/e(\"p\",{children:\"Federal Housing Administration (FHA) Loan: Offers affordable financing options, lower down payments, and income requirements, while still providing competitive rates. \"}),/*#__PURE__*/e(\"p\",{children:\"Veteran Administration (VA) Loans: Government-insured program providing financing assistance, lower down payments, and reduced monthly mortgage insurance premiums for eligible veterans. \"}),/*#__PURE__*/e(\"p\",{children:\"USDA (RD) Loan: Government-insured loan for rural communities with populations below 20,000, offering 100% financing based on income guidelines. \"}),/*#__PURE__*/e(\"p\",{children:\"In-House Portfolio Loan: Flexible mortgage options exclusively available through South Story Bank & Trust. \"}),/*#__PURE__*/e(\"p\",{children:\"Home Construction Loan: Financing covering land purchase and construction costs for building a new home. \"}),/*#__PURE__*/e(\"p\",{children:\"Jumbo Loan: Designed for loan amounts that exceed conventional conforming loan limits. \"}),/*#__PURE__*/e(\"p\",{children:\"Home Equity Loans & Lines of Credit: Utilize your home's equity to your advantage. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Equity Loans: Borrow up to 90% of appraised equity with fixed payments over a set term. \"}),/*#__PURE__*/e(\"p\",{children:\"- Home Equity Lines of Credit (HELOCs): Access up to 90% of your home's appraised value with a revolving open-ended line of credit. \"}),/*#__PURE__*/e(\"p\",{children:\"For more information, contact our mortgage lenders at mortgageinquiry@southstorybank.com or call (515) 597-2992.\"})]});export const richText94=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Purchasing a home is a big part of the American dream, that\u2019s why we take such great pride in helping families from all backgrounds become homeowners. We understand in tough economic times homebuyers are looking for someone they can trust, and realize a well-informed borrower makes for a confident, happy homeowner. At Collins Community Credit Union, our motto is \u2018You matter more than your money\u2019, resulting in a member-first approach and willingness to go the extra mile for our members and Realtor partners. \"})});export const richText95=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Collins Community Credit Union is a real estate lending company that offers a range of financial services. They provide personal and small business banking, loans and credit options including mortgages, auto and RV loans, home equity loans, credit cards, student loans, and personal loans. They also offer investment and insurance services such as individual retirement accounts (IRA) and wealth management. Collins Community Credit Union has a focus on financial wellness and provides educational resources for their members. They have branches and ATMs available, along with online banking services. The company values community involvement and aims to assist their members in achieving their financial goals.\"})});export const richText96=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Fixed-Rate Mortgage: Offers low rates and provides payment security. \"}),/*#__PURE__*/e(\"p\",{children:\"FHA Loan: Designed for individuals who have difficulty qualifying for a conventional mortgage. \"}),/*#__PURE__*/e(\"p\",{children:\"VA Loan: Assists Servicemembers in achieving homeownership. \"}),/*#__PURE__*/e(\"p\",{children:\"USDA Rural Development Loan: Helps individuals own a home without extra savings. \"}),/*#__PURE__*/e(\"p\",{children:\"Adjustable-Rate Mortgage (ARM) loan: Helps achieve homeownership dreams with adjustable rates. \"}),/*#__PURE__*/e(\"p\",{children:\"(Note: For brevity, only five loan programs are listed. The company may offer more.)\"})]});export const richText97=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Residential Mortgage Network Inc. started in Iowa in 1987. We are a mortgage bank with many loan programs such as VA, FHA, Conventional and USDA Rural Development. \"})});export const richText98=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Residential Mortgage Network, Inc. is a locally owned mortgage bank based in Iowa since 1987. We provide home loans to borrowers throughout the state, offering a range of loan programs including Rural Development loans, VA loans, Conventional loans, FHA loans, and new construction loans. Our experienced Loan Officers specialize in helping first-time home buyers find the perfect program and guide them through the process. As a customer-focused company, we prioritize excellent service and strive to answer all your questions, ensuring a smooth transaction. Contact us today to start a conversation about your home lending needs.\"})});export const richText99=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"1. VA Home Loans: Residential Mortgage Network, Inc. offers VA home loans specifically designed for qualified service members. \"}),/*#__PURE__*/e(\"p\",{children:\"2. 1st Time Home Buyers: Our Loan Officers are experienced in assisting first time home buyers and will help determine the perfect loan program for your needs. We aim to provide a smooth transaction and answer all your questions. \"}),/*#__PURE__*/e(\"p\",{children:\"3. Conventional Loans: We offer conventional loans which are fixed-rate products with varying down payment requirements, depending on the specific situation. \"}),/*#__PURE__*/e(\"p\",{children:\"4. FHA Loans: If you don't have enough down payment for conventional financing, our FHA loans are an excellent choice. They only require a 3.5% down payment. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Locally Owned Mortgage Bank: Residential Mortgage Network, Inc. is a mortgage bank with over 30 years of experience in providing home loans to borrowers throughout Iowa. We offer Rural Development loans, VA loans, Conventional loans, FHA loans, and new construction loans. \"}),/*#__PURE__*/e(\"p\",{children:\"Note: The provided information is concise and factual. For more extensive details about each loan program, please visit our website or contact us directly.\"})]});export const richText100=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (63)\"})});export const richText101=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Husband | Dad | Speaker | Author | Mortgage Master  \"}),/*#__PURE__*/e(\"p\",{children:\"I will manage your loan, so that you can manage your life.  Reach out anytime with any questions. I am always here to help... \"})]});export const richText102=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"As your trusted Rate Loan Officer, Steve SchraderBachar aims to simplify the mortgage process, provide guidance from application to closing, and educate customers on their options. Whether you're a first-time homebuyer or an experienced owner, Steve and his team can assist with all your home financing needs. Contact Steve SchraderBachar for personalized assistance throughout your home financing journey.\"})});export const richText103=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"- Down payment assistance: Offers grants and programs from federal and local governments to help overcome down payment obstacles for homeownership. \"}),/*#__PURE__*/e(\"p\",{children:\"- Low down payment loans: Provides VA loans, FHA loans, and USDA loans with 0-10% down payment requirements. \"}),/*#__PURE__*/e(\"p\",{children:\"- Veteran loans: Offers special opportunities for military service members and their families to build equity through real estate at a lower cost compared to typical homebuyers. \"}),/*#__PURE__*/e(\"p\",{children:\"- Bank Statement loans: Allows self-employed borrowers to seek a home loan without tax returns, W2s, or pay stubs. \"}),/*#__PURE__*/e(\"p\",{children:\"- Jumbo loans: Available for the purchase of larger properties or luxury homes in high-end real estate markets. \"}),/*#__PURE__*/e(\"p\",{children:\"- Lock in your rate: Provides the option to lock in a mortgage rate for 60, 75, or 90 days without a signed contract while shopping for a house. \"}),/*#__PURE__*/e(\"p\",{children:\"- Accelerated timelines: Same-Day program for getting loan approval in one day with options as little as 3% down. \"}),/*#__PURE__*/e(\"p\",{children:\"- Physician loans: Affordable options for medical professionals, including paid mortgage insurance and a minimum down payment requirement of 5%. \"}),/*#__PURE__*/e(\"p\",{children:\"- Foreign National loans: Available for non-US citizens without a social security number, green card, or visa, and no FICO score requirement. \"}),/*#__PURE__*/e(\"p\",{children:\"- Reverse Mortgages: Provides additional income for homeowners over 62 years old who need supplement retirement income or cover long-term care expenses.\"})]});export const richText104=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Arkansas (128950), Arizona (1037755), Colorado (100532394), Florida (LO107643), Georgia (400491), Hawaii (HI-400491), Iowa (26266), Illinois (031.0076615), Indiana (59517), Kansas (LO.0049457), Kentucky (MC792483), Michigan (400491), Minnesota (MN-MLO-400491), Missouri (400491), Nebraska (), New Mexico (), Ohio (MLO-OH.400491), Tennessee (400491)\"})});export const richText105=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"I am the mother of all boys. As queen of my home life is never dull. It is full of spills and thrills. We live and work in small town America. I love living in Iowa. After graduating from college with my degree in teaching and coaching, I directed my love for business and teaching into the mortgage world and haven't looked back. For over 20 years, I get to love what I do and who I get to connect with everyday. \"}),/*#__PURE__*/e(\"p\",{children:\"I am passionate about giving back to my profession and my community by being involved with local non-profits and industry organizations.  \"}),/*#__PURE__*/e(\"p\",{children:\"Our branch eats, breathes and lives doing mortgages. We don't want your checking account and we won't try to sell you an investment. We are here to help you look at your mortgage options and walk you through the process until you obtain the keys to the home you are buying. Whether your credit is perfect or if there were a few hiccups, we can help you with your mortgage options. Our office has over 50 years of experience to draw on. We care deeply about your dream to own a home or to reach your financial goals by owning investment properties. \"}),/*#__PURE__*/e(\"p\",{children:\"NMLS 1850 / Equal Housing Opportunity\"})]});export const richText106=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"At Global State Mortgage, we simplify the mortgage financing process to help you buy your dream home. We offer personalized loan options that save you time and money. Our services cater to first-time home buyers, providing guidance to get you started. Our Mortgage Walkthrough Guide educates you on every step of the mortgage process. Use our Mortgage Calculator to determine affordability and monthly payments. We assist in finding the best mortgage for your unique financial situation. Our experienced team has over 50 years of combined expertise, caring deeply about helping you achieve homeownership or investment goals. We prioritize customer service, offering multiple loan products, competitive rates, and low fees. The process involves verifying critical documents, conducting an appraisal, underwriting, conditional approval, and finally closing. Visit our website for more information and to apply or request a quote.\"})});export const richText107=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"At Global State Mortgage, we offer a range of loan programs to suit your unique financial needs. Our loan programs include: \"}),/*#__PURE__*/e(\"p\",{children:\"1. Conventional Loans: These traditional home loans offer competitive interest rates and flexible terms, making them an attractive option for many borrowers. \"}),/*#__PURE__*/e(\"p\",{children:\"2. FHA Loans: Backed by the Federal Housing Administration, FHA loans provide low down payment options and more lenient credit requirements, making them ideal for first-time homebuyers. \"}),/*#__PURE__*/e(\"p\",{children:\"3. VA Loans: Exclusively available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer favorable terms, including no down payment and competitive interest rates. \"}),/*#__PURE__*/e(\"p\",{children:\"4. USDA Loans: Designed for rural and suburban homebuyers, USDA loans provide 100% financing and low-interest rates, helping individuals achieve homeownership in eligible areas. \"}),/*#__PURE__*/e(\"p\",{children:\"5. Jumbo Loans: If you're looking to finance a higher-priced property, our jumbo loans offer larger loan amounts exceeding conventional loan limits. \"}),/*#__PURE__*/e(\"p\",{children:\"6. Refinance Loans: Whether you want to lower your interest rate, change your loan term, or tap into your home's equity, our refinance options can help you achieve your goals. \"}),/*#__PURE__*/e(\"p\",{children:\"7. Renovation Loans: With our renovation loan programs, you can finance both the purchase price of your home and the cost of renovations, simplifying the process of turning a fixer-upper into your dream home. \"}),/*#__PURE__*/e(\"p\",{children:\"At Global State Mortgage, our experienced team is dedicated to providing personalized guidance and finding the loan program that best suits your needs. Contact us today to explore your loan options and take a step closer to achieving your homeownership or refinancing goals.\"})]});export const richText108=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Iowa (18979)\"})});export const richText109=/*#__PURE__*/o(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Buying a home is one of the single largest purchases most people will ever make.  Who better to trust with this process than someone who specializes in home purchasing and refinancing?  My job as a mortgage loan originator is simple- I turn dreams into reality by helping my clients buy and refinance their homes.   \"}),/*#__PURE__*/e(\"p\",{children:\"My aim is to make each one of my clients feel valued and appreciated by delivering impeccable service and outstanding communication.   Whether I am coaching first time home buyers through the home buying process or assisting seasoned real estate buyers in their next transaction, I hope I can exceed your expectations.   \"}),/*#__PURE__*/e(\"p\",{children:\"Global State Mortgage \"}),/*#__PURE__*/e(\"p\",{children:\"a division of American Pacific Mortgage Corporation NMLS 1850\"})]});export const richText110=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Global State Mortgage is a real estate lending company dedicated to simplifying the mortgage financing process. We offer personalized loan options that save time and money, helping you buy your dream home. Our experienced team of mortgage loan originators prioritizes client satisfaction, delivering impeccable service and outstanding communication. Whether you're a first-time buyer or seasoned investor, we provide guidance and support throughout the entire home buying process. With multiple loan products, competitive rates, and low fees, we strive to exceed expectations. We believe in educating and advocating for our clients and real estate agents, ensuring they make informed decisions. Our commitment to excellent customer service sets us apart. From documentation verification to closing, our streamlined process ensures a smooth experience. 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Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. Call for details. \"})]});export const richText117=/*#__PURE__*/e(n.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"CapWest Home Loans is a real estate lending company that offers mobile and digital loan services. 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We are committed to offering financial solutions that help our clients manage their money and meet their financial goals. \"}),/*#__PURE__*/e(\"p\",{children:\"As an entrepreneurial company investing thoughtfully in our technology, we work every day to find opportunities to give you a great experience. 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