Product Information

Our Profile

Product Information

We Offer an extensive Product Line for your Purchase or Refinance. We also offer Home Equity Lines of Credit:

Fixed Rate Loans 15, 20, 30 and 40 Year Terms

Fixed rate loans offer a fixed monthly payment for the entire term of the loan. For example, a 30 year fixed rate loan offers a fixed payment amount for the entire 30 year term. Of course any real estate taxes, insurance or association dues are separate.

Adjustable Rate Loans 3, 5, 7 and 10 Year Arms

Adjustable rate loans a 30 year terms with an initial fixed rate period. For example, a 5/1 Arm has a fixed rate and payment for the first 5 years, after that time the rate can adjust and the monthly payment can also go up or down.

FHA Loans – 3.5% Low Down Payment Loans

FHA loans are government loans which allow flexible underwriting including a low down payment of 3.5%. FHA loans come in either a fixed rate or adjustable rate.

Reverse Mortgages

Reverse Mortgages are loan products for individuals over the age of 62. The loan available is based upon the age of the borrower and the appraised value of the home. Other restrictions may apply, however, No Payments are required until the death of the borrower. There is No Credit or Income qualification to obtain this type of loan.

Portfolio Loans

Our Portfolio Loans provide Jumbo Loans up to 90% of the value of your home. These types of loans may offer much lower rates than a traditional loan and may also have more flexible guidelines which may help a borrower qualify for a loan that traditional lenders may not approve.

Jumbo Loans

Jumbo Loans are loans over $417,000. We offer extremely competitive rates for Jumbo Loans up to $8,000,000. Our rates typically will be lower than a traditional local bank because we work with lenders who specialize in Jumbo Residential lending. We are EXPERTS in Jumbo Lending and working with a HIGH NET WORTH CLIENT who may be self employed.

Home Equity Lines of Credit

We have several Home Equity Lenders and offer up to 89.99% of your home’s value for purchase transactions. We also offer “piggyback” loans which can help avoid MI and also avoid the Jumbo Loan threshold of $417,000.

Loans in Illinois, Wisconsin & Michigan

Contact our Experienced team at info@northpointlending.com to discuss your situation. There no obligation and it's FREE. Credit Checks are available for applicants for a small fee.

Our Profile

Unlike large banks where you can get lost in an automated phone system, our Loan Originators make themselves available 7 days a week. We understand that during the loan process you may have questions that you would like an answer as soon as possible. Our Originators regularly give out their private Cell Phone numbers for voice or text messages which allows us to get back to you with that answer even on weekends or evenings.

Throughout the loan process we will regularly update you and be up front with the progress and/or any problems we may be having in closing your loan. We believe in “honest” and “open” communication.

Our competition may take 2-3 months to close or even not close your loan. We typically close loans in less than 30 days. And……Our application to close ratio is close to 90%. This means that after one of our Loan Originators has screened your information and has determined you eligible for a loan…we have a track record of 90% of Loan Applications getting closed.

A typical bank will have limited funding sources whereas NorthPoint Lending Group, Inc., being a Mortgage Broker with an exceptional reputation, has some of the top funding sources in the industry. We have almost every funding source so that if your loan is possible we have the ability and knowledge to get it done.

About The Loan I May Be Interested In

• * Mortgage Goal:
  Choose One Mortgage Refinance Debt Consolidation Home Equity Loan Signed a purchase agreement Making an offer within 30 days Hope to buy within 2-3 months Not sure of timing; house hunting
• * How much do you want to borrow/refinance? :
  Choose One 100,001 – 150,000 150,001 – 200,000 200,001 – 250,000 250,001 – 300,000 300,001 – 350,000 350,001 – 400,000 400,001 – 450,000 450,001 – 500,000 500,001 – 600,000 600,001 – 700,000 700,001 – 800,000 800,001 – 900,000 900,001 – 1,000,000 1,000,001 – 1,200,000 1,200,001 – 1,400,000 1,400,001 – 1,600,000 1,600,001 – 1,800,000 1,800,001 – 2,000,000 2,000,001 – 4,000,000 4,000,001 – 6,000,000 6,000,001 – 10,000,000
• * How much is your home worth?
  Choose One 100,001 – 150,000 150,001 – 200,000 200,001 – 250,000 250,001 – 300,000 300,001 – 350,000 350,001 – 400,000 400,001 – 450,000 450,001 – 500,000 500,001 – 600,000 600,001 – 700,000 700,001 – 800,000 800,001 – 900,000 900,001 – 1,000,000 1,000,001 – 1,200,000 1,200,001 – 1,400,000 1,400,001 – 1,600,000 1,600,001 – 1,800,000 1,800,001 – 2,000,000 2,000,001 – 4,000,000 4,000,001 – 6,000,000 6,000,001 – 10,000,000

Purchase/Refinance

• * Why are you purchasing/refinancing a new home?
  Choose one I want to lower my payment. I want to move into a larger home. I want to move into a smaller home. I am first-time home buyer. Other
• * In what state are you buying/refinancing your property?
  Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming
• * What is your purchase price/home market value?:
  Choose One 100,001 – 150,000 150,001 – 200,000 200,001 – 250,000 250,001 – 300,000 300,001 – 350,000 350,001 – 400,000 400,001 – 450,000 450,001 – 500,000 500,001 – 600,000 600,001 – 700,000 700,001 – 800,000 800,001 – 900,000 900,001 – 1,000,000 1,000,001 – 1,200,000 1,200,001 – 1,400,000 1,400,001 – 1,600,000 1,600,001 – 1,800,000 1,800,001 – 2,000,000 2,000,001 – 4,000,000 4,000,001 – 6,000,000 6,000,001 – 10,000,000
• * What is your desired total monthly payment?
  Choose One Less than 400 401 – 500 501 – 600 601 – 700 701 – 800 801 – 900 901 – 1,000 1,001 – 1,100 1,101 – 1,200 1,201 – 1,300 1,301 – 1,400 1,401 – 1,500 1,501 – 1,600 1,601 – 1,700 1,701 – 1,800 1,801 – 1,900 1,901 – 2,000 2,001 – 2,100 2,101 – 2,200 2,201 – 2,300 2,301 – 2,400 2,401 – 2,500 2,501 – 2,600 2,601 – 2,700 2,701 – 2,800 2,801 – 2,900 2,901 – 3,000 3,001 – 3,100 3,101 – 3,200 3,201 – 3,300 3,301 – 3,400 3,401 – 3,500 3,501 – 3,600 3,601 – 3,700 3,701 – 3,800 3,801 – 3,900 3,901 – 4,000 4,001 – 4,100 4,101 – 4,200 4,201 – 4,300 4,301 – 4,400 4,401 – 4,500 4,501 – 4,600 4,601 – 4,700 4,701 – 4,800 4,801 – 4,900 4,901 – 5,000 Greater than 5,000

About me

• * How would you rate your credit?
  Choose One Excellent (720 or above) Good (660-719) Average (620-659) Below Average (580-619) Poor (579 and below)
• * First Name :
• * Last Name :
• * Zip :
• * Email :
• * Preffered Phone Number :
* How did you hear of us?
Select One TV Ad Twitter Friend Real Estate Agent YouTube E-mail Search Yahoo Answers Radio Ad Facebook Quizzle News Cavaliers/QL Arena Returning Client Direct Mail Other Online Ad