Granite City Mortgage of St. Cloud has been offering competitive mortgage and refinancing programs since 1966. We aim to get you into the home of your dreams! Because we focus on mortgage lending and closely related services, our application process has been streamlined and we can get you to closing quickly.
Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:
• Conventional loans
• Government loans
• No up-front fees
• Zero down programs
• Refinancing
• Home equity loans
• Debt consolidation
Our team works diligently to help you reach your financial goals. Whether you are just starting to think about buying a home and need to pay off your debt first, or you have been enjoying your dream house for years and want to draw on your equity for extra cash, we'll be at your side offering competitive rates and simple approval processes.
Call Granite City Mortgage today to begin your application!
Debt Consolidations, Serving Local Area Since 1996, Conventional & Government Programs, Purchases, Zero Down Programs, LENDER, Home Equity Loans, Mortgages.
Provide a copy of the current real estate tax bill, statement of special assessments, or balance owed on anything, i.e. sewer, water, etc.
Income Tax
Self employed individuals often find that there are greater hurdles to borrowing for them than an employed person. For many conventional lenders the problem with lending to the self employed person is documenting an applicant's income. Applicants with jobs can provide lenders with pay stubs, and lenders can verify the information through their employer. In the absence of such verifiable employment records, lenders rely on income tax returns, which they typically require for 2 years.
Rescission The cancellation of a contract. With respect to mortgage refinancing, the law that gives the homeowner three days to cancel a contract in some cases once it is signed if the transaction uses equity in the home as security.