Mortgage Miracles Happen is a mortgage company that offers a broad array of mortgage loan programs that covers a broad spectrum based on the needs of each client. We find the best loan for each client to get the best terms and the right lender for your loan based on each borrower's situation. Low Fee's As a broker, we have flexibility with our pricing that banks, credit unions and other "reatail" lenders are not able to offer and compete with. We help structure loans that the lender pays closing costs on many loans that we do. We pride ourselves on providing high-touch customer service and the technology to make the loan process easy. We use the latest technologies that simplifies the loan process and to make the process more efficient. We have an online application, electronic disclosures, in-house-processing and easy approval system. We provide real time loan pricing from the markets throughout the day from the markets onto our website. We offer a pricing engine so anyone can price different loan options by inputting your personal details. You then will be given interest rate options, payment details and the cost of the loan based on the loan details you enter into the pricing engine. The loan options that are given come from multiple different lenders through our online portal. So instead of going to multiple different mortgage companies, we offer pricing from each of our different lenders. On average, loans close in approximately 20 to 25 days for most loans. We offer all spectrums of mortgage loan products from Lenders that have the top pricing and low rates to lenders that specialize in helping those with challenges with their credit. Since we have a broad array of mortgage banks & different guidelines to work with, this gives us the ability to help more borrowers. Though offering great rates is important, there is much more when buying a home or refinancing than just what the lowest rate is. Service, speed, knowing how to structure the financing, getting the right type of financing for each client. Fannie Mae & Freddie Mac loans. First Time Home Buyer Loans Low down payment options Conventional 97% LTV purchase FHA Mortgage Loans - (minimum 580 Fico score) VA Mortgage Loans - (minimum 580 Fico score) USDA Mortgage Loans Non-Conforming loan options Jumbo Loans - up to 5 million loan amount Foreign National Loans - 2nd homes & investment properties Condo loans High Rise Condo Buildings Loans Non-Warrantable Condo's Bank Statements used for income for self-employed borrowers - 20% down payment required. Reverse Mortgage Loans Reverse mortgage purchase loans - Buy a house with a reverse mortgage Reverse mortgage refinance loans We have relationships with over 20 mortgage banks across the U.S. that each specialize in different niches or mortgage products including: Conventional Loans Low down payment loans Jumbo loans FHA, VA and USDA loans, Reverse Mortgages, Non-Conventional Loans, lower credit score borrowers. Mortgage Miracles Happen NMLS # 1289680 Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah. NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251; Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900; Texas. TDSML http://www.wedohomeloansforyou.com/about-us/where-we-lend/texas-mortgage-lending/texas-recovery-fund-notice Texas Recovery Fund, UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE.