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Brightwire Loans

What are the factors that affect my Rate?

  • Credit Score - the higher your score the lower your rate.
  • Property Type - condos and multi-family homes have higher rates than single family homes.
  • Occupancy Type - primary residences and second homes have lower rates than investment properties.
  • Down Payment % - in most cases a larger down payment yields a lower interest rate.
  • Loan Type - FHA rates are typically lower than conventional rates or renovation loan rates.
  • Exclusive Loan Programs - Brightwire offers many programs not offered by banks, lenders, or other brokers that carry lower rates, fees, and no PMI. Qualifying for these programs depends on many factors including property location, annual income, and current real estate owned.

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Brightwire Loans LLC

155 Park Ave, Suite 103, Lyndhurst, NJ 07071

NMLS# 1074453, 869718 Licensed by the NJ Dept. of Banking and Insurance

Brightwire Loans is a mortgage broker and does not make mortgage loan commitments.

Brightwire Loans does not fund loans, and arranges all loans with third-party providers.