Probably the most difficult part in obtaining a home loan is the upfront costs the borrower must pay. However, if you are willing to pay a slightly higher interest rate you can avoid these costs by choosing a no-points, no-fees loan program. Under this type of program, it is possible to virtually eliminate all upfront, out-of-pocket expenses…you can even get money back at closing! Rebate Pricing allows us to help you move into the home of your dreams as quickly as possible without draining your cash reserves.

This is your best option, especially if you plan to sell your home in the near future. At the same time, you also now have the financial flexibility to refinance again should interest rates continue to go down, allowing you to continue to lower your monthly payments without spending a dime. In a declining rate market, the No-Point, No-Fee loan program is a powerful ally to the borrower.

When you are ready to either purchase or refinance and are looking to eliminate virtually all upfront costs, a no-points, no-fees loan program may be the answer for you. Call one of our Loan Specialists today to find out how Applied Wholesale Mortgage can put money back in your pocket at closing time and still guarantee you the lowest rate at the lowest cost.