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MORTGAGE LOANS

Serving SC, NC, GA, VA, AL, IL, OH, MD & IN

Midland Mortgage, a pioneer in the residential mortgage industry, has helped thousands of home buyers make home ownership possible, for over 30 years. Employing a skilled staff of knowledgeable loan officers, Midland Mortgage can help you find the perfect loan for your needs. Our loan officers possess a wide variety of lending specialties and each relies on years of experience to help you purchase your home as quickly and simply as possible.

At Midland Mortgage, we are strongly committed to providing our clients with prompt, personal service. We proudly offer our clients an incomparable variety of loan programs with the most competitive rates available. If you’re buying, building, refinancing, renovating, or are a first time homebuyer – Midland Mortgage can make it possible for you! Best of all, it’s easy to get started today! Learn more about all of our mortgage loan programs or simply begin filling out an online mortgage application.

Mortgage News

What Should I Expect When My ARM Mortgage Rate Resets?  

An adjustable rate mortgage (ARM) is an option for financing your home. Unlike a fixed-rate mortgage that will have the same interest rate locked in for its entire duration, ARMs have an initial fixed rate period at the beginning of the mortgage loan's life, but then the interest rate changes periodically after that. The most popular ARM is 5/1, where the fixed interest rate lasts for five years, then the interest rate changes every year after that. 

How Many Discount and Origination Points Should I Expect to Pay with Different Mortgage Rates?

When talking about mortgages, “points” is usually a term with a negative connotation. However, not all points are created equal and certain types of points can actually be beneficial to the borrower by lowering their rates. When comparing mortgage rates, you should have a general idea of what points may be applied to your account and how much you can expect to pay back to lenders. 

Everything You Need to Know About Stated Income Mortgage Loan Programs

Listening to the news, one hears a lot about home loans that no longer exist. New regulations require mortgage lenders to offer mortgages with austere guidelines on borrower’s debt-to-income ratios and income and low flexibility. These loans are called "qualified mortgages" (QM)s. Lenders who fund them get many benefits, like the ability to sell these loans as mortgage-backed securities, as well as protection from litigation in a borrower default. That makes QMs attractive and many lenders won't issue other kinds of home loans. 

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