My name is Anthony Spremulli, I am a Certified Mortgage Planner and have been helping families get the right mortgage program at the best interest rate for over 20 years. If you are looking to for an online mortgage application in RI, MA or CT or are looking to apply for a mortgage in person, we will come to your home or office, or meet you at our new location in Providence RI. Contact me for a free mortgage pre-approval. There is no fee and no obligation. Also, feel free to visit the Links on the Resources Page for other valuable information!

Credit Issues stopping you from buying a home?

Credit less than perfect? Can’t buy a house? Click here to learn more about your options for improving your chances of getting a mortgage approval by improving your credit score.

New Investor offers FHA Insured Financing with the following highlights:

1. Credit Scores down to 560

2. Down Payment can be all gift funds

3. Single Family, 2-4 Units, or Condominiums Eligible

4. 55% Debt To Income Ratio (Max)

5. Seller can pay up to 6% of your Closing Costs

For a Free Credit Check, just Apply Online Now and find out what your Credit Score is and when you will be eligible for a mortgage. 

UPDATE: HARP 2.0 Upside Down Refinances Now Available

Have you tried to refinance in the past and been denied because you had No Equity?  HARP 2.0 may be a program that can help.  Some quick requirements are below:

1. No Mortgage Late Payments allowed in the last 6 months and only 1 Late Payment allowed in the last 12 months.

2. Fannie Mae or Freddie Mac must own your loan.  To see if one of these GSE's own your loan, visit the links below:

Fannie Mae Loan Lookup: http://www.fanniemae.com/loanlookup/

Freddie Mac Loan Lookup: http://www.freddiemac.com/mymortgage/

3. Your loan was sold to Fannie Mae or Freddie Mac on or before May 31, 2009.

4. Your Loan To Value must be greater than 80%

5. Your Loan should not have been previously refinanced using the HARP Program unless it was done through Fannie Mae between March and May of 2009.

The best way to find out if you qualify is to contact me directly by applying online using the Apply Now Menu Option and Selecting either the Short or Full Loan Application. 

Building long term relationships is one of the things that have helped me remain in this business for many years and the fact that I am still in the mortgage business now, is a direct result of being able to provide exceptional service to my clients throughout the years.  It is a wonderful thing to know that I have helped so many individuals and families and will continue to do so.  . 

I am committed to helping you find the right mortgage product for your needs. With the understanding that every borrower is different, it is my job to continually keep an active list of lenders who are able to offer a large variety of products to help meet each individuals needs. I pride myself in my ability to make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. 

Wishing you a very Happy, Healthy, & Safe 2012 & Beyond!