Mortgage Future Looks Bright with Integrity First Financial Group

According to doomsday predictions, 2012 is the year when the world ends. This being said, any forms of man-influenced activities are doomed to go haywire. This includes the rise and fall of the economic market, as well as the liquidity of loans and investments.

However, the future is anything but bleak in Integrity First Financial Group. From the looks of it, their mortgage rates remain to be very competitive, and there is no way else for them to go but up.

How These Rates Compare

If you’re putting off buying your first house for next year, you might want to think again. The US Bank and CitiMortgage Group fixes their mortgage rates at 3.625% and 4.125%, and their APR at 3.820% and 4.275% respectively. These high rates seem to be trending along with Quicken Loans’ 4.625% rate and 4.897% APR. Here’s the sweet surprise – if you begin your mortgage with the Integrity First Financial Group, you can get a rate as low as 3.500%. Plus, the fixed mortgage rate for 30 years is set at only 3.63%. Sounds like a good offer, indeed.

Aside from these rates, the other loan plans are equally competitively low as well. Some are set at 15 year- or 10 year –fixed mortgage rates. For those who are planning on only 5-years worth of payment, they offer an AMR rate. This differs in the fixed rate in such a way that interest and APR prices depend on the market trend.

One thing to note however, is that the APR does not include all the closing fees, which may extend to appraisals, document preparation, and other paperwork.

About Integrity First

This California-based lending group has several branches all across the state. If you can’t find one in your area, don’t panic. You can always get a sample quote from their official website to help give you a clear picture of the desired amounts you want. Once you are satisfied with the results, the company can schedule a meeting with one of their agents to guide you through the process of agreement in a place that is most convenient for you. This company can offer closing of deals in as little time as possible – saving you from all the hassle of waiting.

The Integrity First Financial Group is an approved member of the FHA, or Federal Housing Administration, making it a steady and secure place for you to set your financial loans on.

American Interbanc Offers Competitive Mortgage Rates

American is currently offering some of the most competitive mortgage rates today. With a 30 year fixed mortgage set at a loan amount of $417,000, the lender is offering a rate as low as 3.994%. This rate is considerably lower than other lenders, other rates are 4.04% from, and 4.032% from Loan Depot. The lender has consistently shown lower rates when the loan amount was varied, making it a great choice for those who are looking for some financial assistance.

About American Interbanc

American Interbanc is considered to be an “A” paper lender, and they pride themselves in not taking advantage of those who have poor credit scores while putting them in unfavorable mortgage terms. Their rates are in a “what you see is what you get” basis, meaning the rates are not open for negotiation. Whatever their posted rates, shall be what the borrowers can lock in.

Why American Interbanc is Cheaper

There are several advantages that American Interbanc has to offer which is precisely the reason why they can market lower rates. First of all, American Interbanc is the lender itself and not a mortgage broker, reducing fees and giving an economic advantage that mortgage brokers cannot overcome. Secondly, it is an internet exclusive mortgage banker, thus having lesser overhead cost as compared to brick and mortar lenders. These two advantages easily allows American Interbanc to give back to their consumers in the form of competitive rates.


American Interbanc is currently in good standing with the BBB, or Better Business Bureau. Within the last three years, the business has only received 7 consumer complaints all of which has already been closed. American Interbanc also received the award of “Most Honest Lender” by Americas Watchdog.

Other Services

American Interbanc offers 24 hour online applications and a detailed breakdown of loan charges down to the last penny. The application and loan process is all done online. They also provide a help and advice hotline with a toll free number.