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The Community Mortgage Loan addresses the regulatory rules limiting access to lending by eliminating the unnecessary documents that are not part of the credit underwriting decision. This program is ideal if youre self-employed, a small or cashbusiness owner, retired, or otherwise have a unique situation.
What is a community loan mortgage?
Community lending aims to bridge the gap between traditional mortgage products and the financial realities of those who may need a different kind of support, whether due to a lower income, less-than-perfect credit, limited savings or other difficulties.
How does a mortgage work in simple terms?
A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you dont repay the money youve borrowed plus interest. Mortgage loans are used to buy a home or to borrow money against the value of a home you already own.
Who owns first community mortgage?
First Community Mortgage, Inc. is a wholly owned subsidiary of First Community Bank of Tennessee, and includes Wholesale, Correspondent and Retail divisions. FCM is a FNMA, FHLMC, and GNMA seller/servicer and offers mortgage solutions to consumers and financial institutions.
What are the three main types of mortgages?
community loan means a loan to a community or voluntary organisation which is established for the express purpose of furthering the social, economic or environmental well-being of individuals within the common bond of the credit union in any of the following areas: sport and recreation; culture and heritage; the arts (
The program allows new applicants, impacted by COVID19, to apply for financial assistance to help with paying delinquent first mortgage, escrow payments (PITI),
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