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Mortgages

Residential & Commercial Mortgages

Back River Financial Group has always been a strong advocate for the premise, “It is not necessarily how much you make, but how much you keep in your pocket.” With this thought in mind, we have partnered with Amy MacDonald and Mortgage Network to provide a residential mortgage solution within our building. Mortgage Network, Inc. is a local lender with over 20 years’ experience. Our in-house loan decisions provide a smooth transaction from application to closing. We provide exceptional service and knowledge for all your mortgage financing needs. Let us help you understand today’s financing options! We are committed to helping our clients obtain the proper financing at the best rate. This related service within our building offers the advantages listed below to the client when considering a mortgage.
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The Most Suitable Product

The most recent financial crisis, which was filled with mortgage scandals and inappropriate lending practices left many with inappropriate mortgages with high interest rates or a mortgage balance in excess of the home’s value. Thankfully, there is a solution in the form of a HARP Loan, which enables individuals to refinance their mortgage to a lower interest rate, thus reducing their monthly payment. There are a variety of mortgage products which will help individuals obtain the most appropriate mortgage for their situation. Examples include the following:
  • Fixed Rate
  • Adjustable Rate
  • First Time Home Buyer
  • VA Loans
  • Investment Properties

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Income Verification

Since many of our clients are self employed, obtaining financing for a home mortgage can be more challenging. Interpretation of the tax return is crucial to the process of income qualification and is very often the difference between approval and rejection.
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Education

As with the unique process to tax preparation, Back River Financial Group is committed to educating clients as much as possible in every aspect of their financial life. The mortgage process isn’t any different. Quite often a financing application is rejected with no feedback as to why it was rejected and what steps can be taken to improve the client’s situation. Possible problems might be improper business structure, unfavorable credit report score, inappropriate product or banking selection. All of these factors can be improved with the combined help of one of our accountants and the mortgage professional.
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Structure

Proper business structure and proper financing can often be the difference in obtaining financing for a home mortgage or commercial acquisition. With the combined help of our accountants and the mortgage professional, the client can more easily navigate this process while at the same time protecting themselves from unforeseen issues in the future.