Home Mortgage Loan
Home Mortgage Loan (Residential Mortgage)
Purchasing a Home?
Refinancing an existing mortgage?
Thinking about an Investment Property or a Second Home?
Looking for home equity financing?
We are here to provide you a wide range of loan products with competitive rates!!
Single House, Town House, Condominiums, Co-op (up to 4 units), etc.
New Jersey, New York, Connecticut, Georgia, Texas and California
Adjustable Rate Mortgages
1 Year ARM / 30 Year Term
5 Year ARM / 30 Year Term
7 Year ARM / 30 Year Term
*What is an Adjustable Rate Mortgage (ARM)?
The interest rate on ARM loans is fixed for a specified number of years and adjusted every year thereafter.
Fixed Rate Mortgage
Fixed rate mortgages have a set interest rate, so the principal and interest payment stays the same for the life of the loan. No prepayment penalty.
15 Year Fixed / 15 Year Term Fast loan repayment with higher monthly payments.
30 Year Fixed / 30 Year Term Lower monthly payments by spreading them out over a long period of time.
** Terms, rates and conditions are subject to change without any notice.
Main Factors to find out if the loan is do-able
After reviewing essential documents and main factors, the loan officer will decide whether the loan is do-able or not. Once it is decided that the loan is do-able, additional documents and forms are then requested from the applicant.
Loan Type (purchase / refinance / primary / investment, etc.)
Income source / Level
Credit Score (FICO)
Down payment amount & source
Applicant(s) immigration status
** We also provide Home Equity Loans as well as Home Equity Lines of Credit.
Mortgage Loan Originator / NMLS Identifier List
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) is designed to enhance consumer protection and reduce fraud by setting minimum standards for mortgage loan originator licensing and registration. Registration in the Nationwide Mortgage Licensing System (NMLS) is required for applicable employees of Shinhan Bank America.
Shinhan Bank America employees who are registered as mortgage loan originators are listed below.
For more information about mortgage loan originators ho are either registered or licensed, please visit www.mortgage.nationwidelicensingsystem.org/Pages/default.aspx
Please click the below button to see a Mortgage Loan Originator List.
|Mortgage Loan Originator List|