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Shafer Mortgage:

  Shafer financial can help with your biggest decision, your home mortgage

Most people trust their biggest financial decision (their mortgage) to someone who most likely is just a sales person with no formal finance training or even a finance background. Does this make sense? In addition, few realize how the mortgage market works to keep them from actually knowing what the true cost of their mortgage is. Yield spread premiums (YSP) and Service Release Premiums (SRP) are the mortgage industries dirtiest secret. Banks are not even required to disclose their SRPs. In short, this is profit given to the mortgage originator for bumping up the interest rate you pay. The higher the interest rate the more profit given to the originator. When you shop for a mortgage, the manipulation of the YSP or SRP is the game the originators are playing since the par rate of mortgages is virtually identical from lender to lender. Of course, this par rate also moves, sometimes 3 or 4 times a day depending on the mortgage bond market.


Want out of this game? Do you just want someone to be honest with you about the rates? Want to work with someone who knows how to mesh your mortgage with your financial goals? Want your financial future in experienced, trained hands?

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Consider working with Shafer Financial. We will come to an agreement as to how much this mortgage will cost you up front (usually 1.5% for average size loans). Then we will discuss how to best structure the costs of the loan and decide on which loan program best suits your needs. Shafer Financial will search to find the best lender for your needs. At time of loan lock we will provide you with documentation of all the costs to compare to the up front, agreed upon price. Total transparency, a concept Shafer Financial believes in!.


Why use Shafer Financial for your loan? You get the benefit of experience, formal finance training and a dedicated professional to create the best real estate loan for your situation. And you get all these benefits without the typical game playing with rates and expenses. Wouldn’t that be a better experience than your last loan?


Mortgages available in the following states:

      • Florida

      • Virginia

      • Indiana

      • Illinois

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