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** RESIDENTIAL LOANS **
Loan Application Info
Loan Application Checklist
The Loan Process
Are You Pre-Approved?
Getting Qualified
How Much You Can Afford
Get Your Loan Faster!
Mortgage Calculators
- Bi-weekly Pmt Calc
- ARM Calc
- APR Calc
- Fixed Rate Mtg Calc
- Mortgage Points Calc
- 15 vs 30 Year Mtg Calc
- Mtg Tax Savings Calc
- Balloon Mortgage Calc
- ARM vs Fixed Rate Calc
- Mortgage Qualifier Calc
- Required Income Calc
- Maximum Mortgage Calc
- Mortgage Payoff Calc
- Rent vs Buy Calc
- Refi Interest Savings Calc
- Refi Breakeven Calc
- Interest Only Calc
- Option ARM Calc
Mortgage Rates
- Fixed Vs. Adjustable
- Rate Lock Periods
- Rates and A.P.R.
- Rate Sheet
- Daily Rate Lock Advisory
What is a credit score?
- Your FICO score
- What is you credit score?
- Disputing Credit Reports
- Getting Your Credit Report
FREE Home Appraisal
Getting an Appraisal
Why an inspection?
Types of Insurance
Title Information
- Why Title Insurance?
How Escrow Works
Mistakes on Your Report
Closing Costs- Q&A
- Closing costs - loans
- Closing costs - Ins.
- Closing Costs
- Financing Closing Costs
What is PMI?
- What is Primary Mortgage Insurance?
- Eliminating PMI
HUD-1 Settlement Statement
Refinance Options
- Mortgage Saving Tips
- When to Refinance
- Mortgage Refinancing Options
- Mortgage Tuneup
FHA & VA Mortgages
- VA Loans
100% Residential Financing
Debt-to-Income Ratios
Your Down Payment
Documenting Assets
How to Sell Your Home
9 Steps to Ownership
** COMMERCIAL LOANS **
Commercial Loan Process
App Checklist- Commercial
- Apartments Checklist
- Anchord Retailed Checklist
- Auto Services Checklist
- Condo-Conversions Checklist
- Congregate Care Checklist
- Convenience Store Checklist
- For Sale Housing Checklist
- Golf Course Checklist
- Industrial Checklist
- Lodging Checklist
- Medical Checklist
- Min-Storage Checklist
- Mixed Use Checklist
- Mobile Home Park Checklist
- Office Space Checklist
- Portfolio Checklist
- Religious Facility Checklist
- Research & Development Checklist
- Restaurant Checklist
- Special Purpose Checklist
- Strip Retail Checklist
- Development Checklist
Apartment Loans & Financing
- Apartment Loans
Bridge Loans
Blanket Loans: 5+ Residential
Cash Flow Programs
Construction Loans
2-4 Unit Construciton
100% No Doc Commercial
Construction to Permanent
Church Financing
Gas Station Program
Hard Money
Land Development
Mezzanine Loans
NNN & Single Tenant Investment Property Mortgage Loans
Rehab Loans
Self Builder Loans
Owner Occupied & Small Business Loans
CAREERS
Real Estate Glossary
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Registered Mortgage Broker- NYS Banking Department

Loans Arranged with 3rd Party Lenders

S&P Mortgage, Inc. 21 South Washington Street Binghamton, New York 13903

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