What are the advantages of fixed rate versus adjustable rate loans?

With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan. Your property taxes may go up and so might your homeowner's insurance premium part of your monthly payment, but generally with a fixed-rate loan your payment will be very stable.

Making dreams come true with zero down mortgages

At GMFC we dont think that saving for a down payment should be the reason you put your dreams on hold.  We can help you buy your dream home with a zero down mortgage loan.  Youll not only be able to afford a home sooner, you'll probably be able to afford more home.  With a zero down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you've saved. And, for most buyers, this means qualifying for a larger loan.

CALL: 866-302-GMFC (4632)

From Perfect Credit, To Less Than Perfect Credit
"NOBODY BEATS OUR RATES"

Guaranteed Mortgage Funding Corporation (GMFC) continues to offer the same great wholesale mortgage programs to the public, with the lowest interest rates available anywhere.  We Guarantee It!

Refinance your Adjustable Rate Mortgage (ARM)with a low GMFC Fixed Rate Mortgage today!  * No Points *No Application Fee's * No Credit Reporting Fee's

Select Request-A-Loan and a GMFC wholesale mortgage representative will contact you within 24 hours.

Before you even start home shopping, get pre-qualified by one of our Licensed GMFC Mortgage  Professionals today. You'll have the clout of a cash buyer and you'll know how much home you can afford.

GMFC will not charge application fee's, upfront fees or consultation fees.  We offer free consultations, free pre-approvals and same day loan approvals!

As members of the Better Business Bureau of Southeast Florida, you can trust our licensed loan officers to find the mortgage loan that best fits your needs. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to closing.

If you own a home and are just looking to refinance, get a second mortgage or cash out equity, we can help! We'll help find you the loan program that's right for you. You can pay down your balance faster, consolidate high-interest revolving debt, or cash a check to use toward your dream vacation, home improvements, college tuition -- anything you can think of!

**Browse our easy-to-use website.  Then give us a call, e-mail us or come visit a GMFC licensed mortgage professional today!

LOWER THAN BANK RATES EASY TO QUALIFY!

Which Loan is Right for Me?

15 year mortgage

You pay off a 15-year fixed-rate mortgage in half the time it would take you to pay off the traditional 30-year fixed-rate mortgage. This shorter term makes it possible for you to build up equity in your home faster, which can let you move up more quickly to a more expensive home or save more in preparation for retirement or a child's education. This loan is particularly attractive if you're refinancing your mortgage because you can shorten your loan term plus enjoy a lower interest rate.

Most people refinance their mortgages to get a lower interest rate. The lower rate translates into a faster mortgage payoff or a lower monthly payment.

But, a low rate isn't the only reason you should consider refinancing. Refinancing can also help you:
1. Lower your monthly mortgage payment
2. Pay off your mortgage more quickly
3. Consolidate debt

Most mortgages require that you pay back some principal with each payment -- a little bit at first, a lot more as time passes. Interest-only loans skip that requirement in the early years of the loan so that none of your payment goes toward paying down principal. The result is a significantly smaller initial payment compared with other options, such as a traditional 30-year fixed-rate mortgage where you pay both principle and interest.

It is said that purchasing a home is one of the most stressful tasks people will go through. This isn't true when you choose Guaranteed Mortgage Funding Corporation as your mortgage company. Our team of knowledgeable mortgage consultants will guide you through every step of purchasing a home. Whether you have owned a home before or you are a first time home buyer, we have dozens of programs to help make your dream a reality.

ARMs Offer Lower Rates

Staying in the same home for 30 years may not be in your plans -- which is one reason to consider an adjustable-rate mortgage (ARM). An ARM generally offers a lower initial interest rate than a fixed-rate mortgage. With lower monthly payments in the initial years of your mortgage, you may qualify for a larger mortgage amount if you choose.