Mortgage Home Loan Providers

A mortgage home loan company bent on customer satisfaction. PHH Mortgages offer competitive rates, providing more than $83 billion for American homes in 2002.

1. In 2002, 88.2% of PHH customers stated they would recommend PHH to their friends.
2. PHH is one of the top 10 retail mortgage originators in the United States thanks to their competitive rates and customer service.
3. Owned by Cendant Corporation, one of the world’s largest providers of business services throughout many competitive industries.
4. Provided more than $83 billion in Mortgage financing in 2002 for American homes.

" We promise to treat customers like family while providing financing for the American dream. The experience will be smooth, easy and at times, fun. We will do this with unequalled passion and expertise. "   - PHH mission statement

New Century Financial Corporation:

A publicly traded company that is listed on NASDAQ, New Century Financial Corporation, through its mortgage home loans subsidiary, New Century Mortgage Corporation, is one of the leading sellers of residential mortgage loans in the country. New Century believes in responsible lending, and makes it their policy to “treat all consumers consistently and fairly…” New Century makes sure that their clients are educated as to the loan process, so as to best help them get situated with the loan that’s right for them.

For more New Century Mortgage Corporation information, visit their website at www.ncen.com.

Sun Trust Mortgage, Inc.:

With total assets (as of 2003) of approximately $125.4 billion, Sun Trust Mortgage, Inc. is one of the largest commercial banking organizations in the United States. Although the company is primarily involved in deposit, credit, investment and trust services, Sun Trust has numerous subsidiary companies, including Sun Trust Mortgage, Inc., through which it provides extremely competitive rates accompanied with excellent customer service. Sun Trust operates through a predominantly eastern/southeastern network that includes Florida, Georgia, Tennessee, Virginia, Maryland and the District of Columbia.

For more information regarding Sun Trust or its subsidiary, Sun Trust Mortgage, Inc., visit their website at www.suntrust.com.

Alliance Mortgage Company:

“The home of inexpensive loans”

Alliance Mortgage Company is an Internet based mortgage company that is proud to assist consumers in finding the most affordable loans available, regardless of their credit history. Alliance Mortgage is headquartered in Cerritos, California, and has been in business since 1992. For those people who are sick of traveling from loan company to loan company, standing in line after line, Alliance Mortgage is proud to offer an online solution that allows consumers to shop for their loans from the comfort of their own homes. Similarly, because Alliance Mortgage is Internet based, their rates are generally much more affordable than the going market rate.

For more information regarding the Alliance Mortgage Company, visit www.alliancemtg.com.

Ameriquest Mortgage:

“Do the right thing”

For more than 20 years, Ameriquest Mortgage has been focused on helping homeowners with all of their mortgage concerns from purchase to refinance. Started in 1980 as Long Beach Savings and Loan, Ameriquest Mortgage has serviced billions of dollars in mortgage home loans over the course of its short history, has over 250 offices throughout the country, and is a non-supervised mortgagee of the U.S Department of Housing and Urban Development. Their rates are extremely competitive and their loans are easier to qualify for than most.

For more information regarding Ameriquest Mortgage visit www.ameriquestmortgage.com.

National City Mortgage:

National City Mortgage, founded in 1955, has gone through numerous acquisitions and changes of name over the years, however their competitive nature and quality customer service practices have remained intact. National City Mortgage has been moving forward and growing since its inception, and now finds itself ranked the 7th largest mortgage originator in the nation (2002). Representing approximately 1,122,461 mortgages as of December 31, 2003, producing a portfolio of $156 billion in services, National City Mortgage has over 300 offices throughout 37 U.S states.

For more information regarding National City Mortgage, visit www.NationalCityMortgage.com.

Irwin Mortgage:

Started in a small office in 1944, Irwin Mortgage Inc. has since experienced a remarkable amount of growth, to the point that it now has over 100 offices nationwide servicing over $12 billion in residential mortgage loans. It is the goal of Irwin Mortgage to provide the best possible customer service and the most competitive rates, so as to help every buyer realize the American dream of home ownership.

For more information regarding Irwin Mortgage, visit their website at www.IrwinMortgage.com.

Option One Mortgage:

In the business of making, servicing and selling non-prime loans for over 10 years now, Option One Mortgage has approximately $40 billion in assets, consistently finding itself within the top 5 originators of non-prime residential mortgage loans. The company, which is headquartered in Irvine, California, has locations/offices throughout the country offering dedicated customer service. Option One believes in the Golden Rule of treating others how you yourself wish to be treated, and they do so by providing ethical and fair business to their customers.

For more information regarding Option One Mortgage, visit www.oomc.com.

North American Mortgage Company:

North American Mortgage Company (NAMC) was established in 1948 to help prospective homeowners realize the American dream of homeownership. NAMC provides home loans throughout all 50 states and ranked in the top ten for residential lenders in the U.S in 2001. In 2002, NAMC joined forces with banking powerhouse, Washington Mutual, funding $275 billion in home loans and providing home ownership for 1 out of every 8 homeowners in America. NAMC makes it their policy to provide innovative service that constantly changes complementary to the times. Their excellent customer service and growing business success helped them rank #116 on the Fortune 500 list for 2002.

For more information regarding North American Mortgage Company, visit www.NAMC.com.

Principal Residential Mortgage, Inc:

“Helping people realize the dream of home ownership -- that's what Principal Residential Mortgage is all about.”

Principal Residential Mortgage, Inc. is a dedicated home loan provider operating nationwide with hundreds of thousands of customers. Principal Residential Mortgage, through their comprehensive “Guide To Home Financing,” takes the customer through the home financing process, one step at a time, showing you:

1. Exactly how much house you are able to afford
2. The criteria that most lenders use when it comes time to make a home loan
3. The different forms of home loans available & which is best for your unique needs
4. Ways with which to speed up the home loan process

For more information regarding Principal Residential Mortgage, Inc., visit www.Principal.com.

First Horizon Home Loans:

To find the beginnings of First Horizon Home Loans, you would have to go all the way back to 1864, and the birth of its parent company, First Tennessee Bank. First Tennessee Bank would eventually become Tennessee National Corporation, and was rated by Fortune magazine as one of the “100 best companies to work for” in the last five years. Headquartered in Irving, Texas, First Horizon Home Loans currently services over 415,000 loans, and is committed to building serious relationships with its customers, whose “financial security” is their # 1 priority.

For more information regarding First Horizon Home Loans or it its parent company, Tennessee National Corporation, visit www.FirstHorizonUSA.com.

Cendant Mortgage:

“We treat customers like family”

Cendant Mortgage is a subsidiary of Cendant Corporation, and is ranked the 6th largest retail mortgage originator in the nation. In 2002 alone, Cendant Mortgage provided more than $59 billion in mortgage financing for American homes, demonstrating their unparalleled ability to offer competitive rates and exceptional customer service. Cendant Mortgage offers a series of guarantees, including their guarantee to beat any lender’s price, or pay you $500, and their guarantee to contact you with a loan decision within a period of 24 hours, or pay you $250. Cendant Mortgage is also extremely active in the community working closely with such charitable organizations like the American Cancer Society, the American Red Cross and Habitat for Humanity (to name a few).

For more information regarding Cendant Mortgage or its parent company, Cendant Corporation, visit www.CendantMortgage.com.

Champion Mortgage:

Founded in 1981 by Joseph P Goryeb, Champion Mortgages’ mortgage and home equity loans are amongst the leaders in innovation and flexibility. Available in 26 states, Champion Mortgage won’t penalize you for paying off your loan early. Champion Mortgage has no pre-payment penalties. Headquartered in Parsippany, New Jersey, Champion Mortgage has a company philosophy that’s cornerstones are commitment, respect for the consumer, maintaining integrity in business and building trust with its clients. Champion Mortgage has been a division of Key Bank USA (12th largest bank in the nation) since 1997.

For more information regarding Champion Mortgage, visit www.ChampionMortgage.com.

East / West Mortgage:

“We put people into homes”

East / West Mortgage is New England’s leading mortgage lender, offering 15 & 30 year fixed rate mortgages, as well as adjustable rate mortgages with 3,5 and 7 year convertible options. Over the course of the last 3 years, East / West Mortgage have funded more than $1 billion in mortgages. East/West Mortgage is the smart choice for smart homeowners.

For more information regarding East / West Mortgage, visit www.EastWestMortgage.com.

GreenPoint Mortgage:

GreenPoint Mortgage, a subsidiary of GreenPoint Financial Corporation, has worked hard over the course of its experienced history to become one of the leaders in the mortgage home loan industry. GreenPoint Financial Corporation is a $22 billion asset bank holding company that is ranked amongst the top 50 largest banking companies in America. GreenPoint Mortgage had originations of approximately $33+ billion for 2002, demonstrating their dedication and ability to help their customers realize the dream of home ownership. For excellent, dedicated service designed to establish a long-lasting relationship, choose GreenPoint Mortgage.

For more information regarding GreenPoint Mortgage, visit their website at www.GreenPoint.com.

Chase Manhattan Mortgage Corporation:

Chase Manhattan Mortgage Corp falls under the JPMorgan Brand. JPMorgan is one of the world’s leading global financial services with operations that are spread throughout more than 50 countries. JPMorgan has five business segments under its brand, those of:

• Investment Bank
• Investment Management & Private Banking
• Treasury & Securities Services
• JPMorgan Partners
• Chase Financial Services

Chase Manhattan Mortgage is a company dedicated to the satisfaction of the customer. Their combination of excellent customer service and competitive rates ranks them amongst the most successful companies within the mortgage home loan industry.

For more information regarding Chase Manhattan Mortgage Corporation or JPMorgan, visit www.Chase.com.

Countrywide Mortgage Company:

With more than 500 offices nationwide, Countrywide Home Loans is one of the leaders in the mortgage home loan industry. The mortgage banking segment of Countrywide Mortgage includes the loan production, loan servicing and loan closing services sectors. Countrywide Home Loans serves primarily as Countrywide’s ‘consumer markets division.’ In 2003, Fortune ranked Countrywide 4th in mortgage services amongst some of America’s most admired companies. Also in 2003, Countrywide Home Loans received the distinguished honor of winning Mortgage Technology Magazine’s ‘Market Bridge Award.’ When it comes to dedicated customer service and competitive home loan rates, Countrywide is amongst the best.

For more information visit the Countrywide Home Loans website at www.countrywide.com.

ABN AMRO Mortgage Group, Inc.:

ABN AMRO is a prominent international bank whose origins can be dated all the way back to 1824. With more than 3,000 branches that are spread throughout 60 different countries, ABN AMRO Mortgage ranks 11th in Europe and 23rd in the world based on “tier 1 capital.” With corporate values stressing integrity, teamwork, respect and professionalism, ABN AMRO Mortgage consistently surpasses their customer’s expectations, establishing long-lasting relationships. ABN AMRO Mortgage Group’s 3 global strategic business units include:

• Consumer & commercial clients
• Private clients & asset management
• Wholesale clients

For more information regarding ABN AMRO Mortgage Group, Inc., visit www.abnamro.com.

GMAC Mortgage Company:

GMAC Mortgage Corporation is a subsidiary of the General Motors Acceptance Corporation (GMAC). With its sister company, GMAC Real Estate, GMAC Mortgage Corporation is one of the largest and most successful home loan companies in the nation. GMAC Mortgage believes that its company is more than simply a mortgage company. They refer to themselves as a “home ownership company,” because it is their number 1 priority to turn prospective buyers into homeowners. GMAC’s dedication to their customers is demonstrated by the fact that they currently have over 2 million that they are in business with.

For more information regarding GMAC Mortgage Company, visit www.GMACmortgage.com.

Leader Mortgage Company:

The Leader Mortgage Company is one of the smaller options to choose from when it comes time to purchase a mortgage. The Leader Mortgage Company is focused on its customers, and their complete satisfaction with the service they receive. Based on the unique needs of their clients, Leader Mortgage offers quality service and individual attention whilst offering a plethora of loan programs to choose from to complement their established network of lenders. Along with extremely competitive rates, the Leader Mortgage Company offers conforming, non-conforming and government loan programs.

For more information regarding the Leader Mortgage Company or their services, visit www.Leader1.com.

First Nationwide Mortgage:

1st Nationwide Mortgage, or Citi Mortgage, is a member of the CitiGroup family that is headquartered in St. Louis, Missouri. The products and services that are offered by First Nationwide are designed for 1st time buyers, those seeking to refinance their current home loan, those building their home, and also those who seek to tap into their home’s equity. The company is extremely accessible, allowing its customers to get in touch with them the most convenient way for them to do so, be it through the Internet, via phone, through the mail or in person.

For more information on First Nationwide Mortgage/Citi Mortgage, visit www.firstnationwide.com or www.citimortgage.com.

FHA Home Loans:

It is the policy of FHA Home Loans to make buying a home or a mortgage refinance fast and as easy as possible. First time mortgage buyers or current homeowners can buy a home with less than 3 % down payment through an FHA mortgage. FHA mortgage refinance as much as 97 % of a home’s appraised value, has a maximum origination fee of 1 %, has no credit score requirements, allow those who have experienced bankruptcy to qualify for a loan after 2 years as opposed to the conventional 4 year wait, and allow those who have experienced foreclosure to qualify for a loan after 3 years as opposed to the conventional 4 year wait. Take advantage of the benefits FHA mortgage has to offer today.

For more information on FHA Home Loans, visit www.fha-home-loans.com.

EMC Mortgage:

EMC Mortgage is another option to choose from when it comes to purchasing a home loan mortgage. EMC Mortgage is a company that strives to assist its customers find the home that they’re looking for, at a price that they can afford. There are a lot of choices when it comes to financing the purchase of a home, but there’s only one EMC Mortgage.

Wells Fargo Mortgage:

Wells Fargo is a diversified financial services company providing banking, insurance, investments, consumer finance and mortgages throughout the companies 5,900 locations. Headquartered in San Francisco, CA, Wells Fargo has a staggering $388 billion in assets, and serves all 50 states throughout the U.S. Wells Fargo home Mortgage is the #1 company in the country for prime home equity loans; the #1 lender to ethnic minority homebuyers; the #1 lender to low & moderate income homebuyers. With approximately 4.8 million customers and 23 million customer households, Wells Fargo Mortgage is the smart choice for prospective homeowners.

For more information, visit www.wellsfargo.com.

Washington Mutual Mortgage:

Formed in 1889, Washington Mutual is an innovative company, whose mortgage home loan sector is determined to make the dream of homeownership easy & accessible for everyone/anyone. In 2002, Washington Mutual Home Loans funded $273 billion in home loans, making homeownership possible for a staggering 1 out of 8 homeowners in America. Also in 2002, Washington Mutual Mortgage was recognized by Fortune Magazine & ranked as # 116 in the 2002 Fortune 500 listing. Washington Mutual Home Loans are available in 33 states.

For more information, visit www.WAMUhomeloans.com.

Bank of America Mortgage:

Bank of America operates more than 4,200 banking centers throughout 21 states, which is more than any other financial services company. More than 3.2 million American families have Bank of America mortgages. Everyday, Bank of America Mortgages provides home loans or refinancing for 2,000 families. Through the implementation of their innovative website, bankofamerica.com, prospective homeowners can prequalify for home loans and get customized rate quotes for their location. Since 1999, Bank of America is proud to say that its mortgage company has placed more than 8,400 teachers & school administrators into new homes through 2 innovative mortgage programs for educators, referred to as the “Teacher Flex” program and the “Teacher Zero Down” program.

For more information, visit www.BofA.com.

Fleet Mortgage:

Fleet Mortgage is a subsidiary of FleetBoston Financial, a diversified financial services company with assets of more than $197 billion. FleetBoston Financial offers financial solutions to more than 18 million individuals from 1,460 stores throughout the nation. Fleet Mortgage is the North East’s leading small business & commercial banking provider, ranking:

#1 in home equity lending for New England (top 10 nationwide)
#1 mortgage lender in Massachusetts
#2 mortgage lender in Connecticut, Maine & Rhode Island.

For more information, visit FleetBoston’s website at www.Fleet.com.

Federal Home Loan Banks:

Federal Home Loan Banks, or FHLBanks, are nothing more than wholesale banks through which community financial institutions can turn when they are in need of funds. The FHLBanking system has been around since 1932 servicing community financial institutions throughout the country. The money or loans that FHLBanks provide community financial institutions with are referred to as “advances.” There are 12 FHLBanks, owned by more than 8,000 community financial institutions. These are located in Atlanta, Boston, Chicago, Cincinnati, Dallas, Des Moines, Indianapolis, New York, Pittsburgh, San Francisco, Seattle and Topeka. Since 1989, the FHLBanks have contributed 10% of their annual income (which works out to ~ $100 million) to the Affordable Housing Program (AHP). Since 1990, the FHLBanks have been responsible for providing more than $20 billion through the Community Investment Program (CIP).

Homeside Lending Mortgage:

Homeside Lending Mortgage Company was the U.S mortgage unit of the National Australia Bank Limited. Before being purchased by Washington Mutual in 2001/2002, Homeside Lending Mortgage had a mortgage servicing portfolio worth ~ $187.4 billion, with ~ 2 million customers. Homeside Lending Mortgage joined Fleet Mortgage and Dim/North American Mortgage as companies purchased recently by Washington Mutual.

Mortgage Financial Network:

Interest rates in Florida are the lowest in the last 40 years, signaling a great time to consider purchasing a mortgage, refinancing or taking advantage of your home’s equity. The Mortgage Financial Network is a Florida based financial services company that has been providing the best mortgage rates in Florida since the company’s inception in 1988. Mortgage Financial Network specializes in residential & commercial loans *, offering more than 200 mortgage programs to choose from. Along with offering Florida’s most competitive mortgage rates, Mortgage Financial Network offers no hassle, no document mortgages without any application fees. Mortgage Financial Network services:

Boca Raton, Daytona, Ft. Lauderdale, Ft. Myers, Jacksonville, Miami, Naples, Orlando, St. Petersburg, Sarasota, Tallahassee, Tampa & West Palm Beach.

For more information on Florida’s best mortgage rates, visit www.fla-mortgage.com.

* For those unfamiliar with commercial loans: Commercial loans/mortgages can be described as loans made based on real estate collateral, other than residential property, in which a mortgage is provided to secure the payment of the principal cost + interest. Also referred to as a commercial mortgage, or income property mortgage/loan.

American Equity Mortgage:

American Equity Mortgage is a full-service mortgage banking firm that was founded in 1992 in St. Louis. Through its award winning customer service, strong and recognizable advertising, and extremely competitive rates, American Equity Mortgage is amongst the nation’s leaders in mortgage banking solutions. Offering programs covering fields like debt consolidation, refinancing, purchases & mortgage solutions for people suffering from bad credit, American Equity Mortgage provides loans throughout 10 states from their 16 branches. In 2001, the company’s founders, Deanna Daughhetee-Vinson & Ray Vinson, were given the distinguished honor of being named Entrepreneurs of the year.

For more information, visit www.AmericanEqMtg.com.

JCF Acceptance:

JCF Acceptance is a financial services company at the forefront of manufactured home loans & mobile home loans. JCF Acceptance has been offering some of the mortgage home loan industry’s cheapest/most affordable combinations of rates & fees. Operating for more than a decade in more than 45 states throughout the U.S, JCF Acceptance offers its customers a wide range of financial products to choose from, including: mobile home refinancing, mobile home loans, debt consolidation, & manufactured home mortgages designed to save you money. JCF Acceptance offers it’s 6,000 + customers live help, 24 hours/day, and is dedicated to providing the best in manufactured and mobile home loans.

For more information, visit JCF Acceptances’ website at www.JCFacceptance.com.