National City Mortgage

The National City Mortgage website has just about something for everyone. Applicants can search for loan products for purchases, refinances, and home equity loans, and existing National City Mortgage customers can access their accounts easily to view their account status.

National City Mortgage offers plenty of resources for people who are looking to purchase a home. These resources include, but are not limited to:

• Mortgage Calculators
  • Potential applicants can see how much mortgage they can afford.
  • Potential applicants can calculate what their monthly payments will be based on purchase price and the terms of the loan.
  • Additional calculators assist potential applicants in deciding whether to purchase points or make a larger down payment.
• Home-Buying Guides
  • Website visitors can peruse National City Mortgage's library of guides to buying a home.
  • Potential applicants can input their zip code to get specific market analysis information for their area.
  • General tax information is included on the website for new homebuyers.

Plenty of information is available through National City Mortgage, enabling potential home buyers to get through the process with as little confusion as possible. Loan officers are available online, over the phone, and in some states there are loan officers available to meet with face-to-face.

Similar to all the information provided for applicants making a home purchase, National City Mortgage offers an abundance of resources for people who are trying to decide whether or not to refinance their existing mortgages. Using the website, potential applicants can determine:

• If refinancing will save them money.
• What closing costs they can expect.
• Which loan product is preferable for their situation.

As with first mortgages, applicants for refinances have the ability to apply online, over the phone, or at a loan officer's office. Additionally, applicants awaiting a particular interest rate can subscribe to a Rate Watch and receive e-mail notifications when interest rates near the applicant's desired rate.

Interest rates offered through National City Mortgage are competitive to other mortgage lenders. This company offers both fixed rate mortgages and adjustable rate mortgages. The fixed rates are amortized over a ten, fifteen, twenty, or thirty year term. Adjustable rate mortgages (ARMs) range from a 1/1 ARM to a 10/1 ARM. There are plenty of loan products to choose from.

Homeowners often turn to the equity in their homes when they require cash to pay off loans or to make a large purchase. Both fixed-rate equity loans and home equity lines of credit are offered through National City Mortgage. Using the website, applicants can determine which loan product will be best for their needs.

Debt consolidation is thoroughly explained, and calculators on the website can estimate monthly payments depending on the loan amount. The tax benefits of obtaining an equity loan or equity line of credit are also reviewed on the website.

The same website which allows customers to apply for new loans also links to a website which allows existing customers to review their loans. Using the website, existing customers can:

• Review payment information
• Review escrow information
• Review current tax and insurance information

Customers can also sign up for periodic updates regarding escrow information and other announcements straight from National City Mortgage. Mortgage service representatives are also available over the telephone.

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