Debt Consolidation Loans

Save time and money every month by consolidating your debts with Mitch Cochran. You can eliminate high interest rate credit cards and take advantage of potential tax savings by using your home’s equity with the help of Mitch Cochran. It’s easy: gather your payment books and monthly statements and call a friendly Mitch Cochran loan officer before you start writing those monthly checks. Don’t fear the hassle and aggravation of saving money. Borrow Smart with Mitch Cochran.

  • Credit Cards
  • Auto Loans
  • Leases
  • Furniture Payments
  • Appliance Payments
  • Bedding Payments
  • Windows / Roofs

There is no cost or obligation to Apply Online or talk with a friendly Loan Officer.

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Mortgage for Home Purchase

Purchasing a new home is an exciting time. For some it’s freedom from rent. For others, it’s the next step in growing home equity. Choosing the right loan can be overwhelming. Each loan-type has its advantages - some short-term, some long-term. A friendly Bay Lending loan officer will take the time to learn your financial situation, explain your options and assist you in finding the best loan for your needs. 

Mitch Cochran offers a wide range of mortgage loans.

New Home Buyers:

See our New Home Buyer's Checklist.

Below is a short description of a few of your loan choices:

Fixed-Rate Mortgages

Fixed-rate mortgages, the most popular type of mortgage, offer the peace of mind that your interest rate will remain the same for as long as you have your loan. Typically, the longer the term of the mortgage, the more interest you pay over the life of your loan. However, stretching out your repayment term means your monthly mortgage payments will be less than they would be with a comparable shorter-term mortgage.

Adjustable-Rate Mortgages (ARMs)

Adjustable Rate Mortgages (ARM) are attractive when long-term interest rates are high and people need an affordable way of financing to buy homes. These products start out with a lower interest rate, and then the interest rate adjusts periodically in accordance with a pre-determined index. Ask a Mitch Cochran Loan Officer if an ARM is for you.

Low Down Payment Mortgages

Recognizing that saving enough money for a down payment can be a major stumbling block to buying a home, Mitch Cochran can lend you money even if you have limited funds for a down payment and closing costs.

Home Improvement Mortgages

By choosing to buy a home that needs some improvement, you should save money off the purchase price. Whether you do the repairs yourself, or choose to hire professionals to do the improvements, you should consider the cost of these repairs in addition to the purchase price to determine if you’re getting a good value.

There is no cost or obligation to Apply Online or talk with a friendly Loan Officer.

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Loan Types

  • Conforming Loans >

    Conforming Loans Read More
  • Fannie-Mae Loans >

    Fannie-Mae Loans Read More
  • FHA Mortgage >

    FHA Mortgage Read More
  • First Mortgage >

    First Mortgage Read More
  • Freddie-Mac Loans >

    Freddie-Mac Loans Read More
  • HARP Loans >

    HARP Loans Read More
  • HELOC Loans >

    HELOC Loans Read More
  • Home Loans >

    Home Loans Read More
  • HomePath Mortgage >

    HomePath Mortgage Read More
  • Jumbo Mortgages >

    Jumbo Mortgages Read More
  • Line of Credit >

    Line of Credit Read More
  • Mortgage Loans >

    Mortgage Loans Read More
  • Purchase-Money Mortgage >

    Purchase-Money Mortgage Read More
  • Refinance Loans >

    Refinance Loans Read More
  • Reverse Mortgages >

    A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home Read More
  • Second Mortgage >

    Second Mortgage Read More
  • VA Mortgage >

    VA Mortgage Read More
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