Why should you use ABSOLUTE Mortgage, LLC? Well...because we cost less and our service cannot be beat. You will not find mahogany tables, marble floors, or a dazzling retail building here, we save those for the banks and attorneys. We pride ourselves on the superior service we provide, not by the assets we possess. We have minimal overhead, and we pass those savings onto you.

What sets ABSOLUTE Mortgage, LLC apart from other mortgage companies? We rise above the rest with our outstanding service, lower rates, attention to details, and our results. We search the marketplace for the best price and loan product for you and your situation. The truth is, the loan that your neighbor has may not be the right loan for you. We not only provide you with options, but we also deliver the results. Our average turn around time is 7-10 days for residential and about 30 days for commercial loans, which is about 2-4 weeks faster than other lenders, local banks and credit unions. We don't waste your time or your money.

Pricing Guarantee

We here at ABSOLUTE Mortgage, LLC strive to be the best at what we do and that includes our prices. We guarantee that you will get the "ABSOLUTE" best deal.

We highly encourage borrowers to do their research up front. It is okay to "shop" around to compare rates and programs; however we do not encourage you to "apply" with multiple lenders. This can severely damage your chances of getting a solid approval. Be careful about giving out ‘personal' information, especially social security numbers and dates of birth. If someone has this info, chances are they will pull your credit, and too many inquiries can lower your credit scores. Borrowers beware of fraudulent and illegal practices out there. There are always a few bad apples in the bunch, and you do not want to end up with one of them. We have heard too many times how a lender quotes a certain rate to start, or to "tease" you into applying, but then things change by the time they get to the closing table. Be sure to get things in writing. If rates and/or programs change, you are supposed to be notified within 24 hours from the lender and/or loan officer.

If you have applied with another lender, or have already signed a loan package AND are still in the rescission ("right-to-cancel") period, we still encourage you to contact us and let us review your situation. 9 out of 10 times we will be able to beat your existing approval by a considerable amount, thus saving you even more money. The key is here to make sure that we are comparing apples to apples, so if someone has quoted you something, be sure to get it in writing. Keep in mind that ABSOLUTE Mortgage, LLC does not originate any high-cost (Section 32), FHA, or VA loans.

We will not be beat. If you have received a letter of approval, stating the terms, program, rate, and closing costs, then fax, email or bring it to us, and we will beat it! We are consistently the price leaders, and stand behind it. The approval letter must be from a legitimate and licensed lender, and will be subject to verification by ABSOLUTE Mortgage, LLC.

Whether you have perfect, not-so-perfect, or limited credit, with hundreds of loan programs available, we can assist you with your mortgage needs.

• 100% LTV no PMI!
• Self Employed - OK!
• Stated Income - OK!
• Debt Consolidation - OK!
• 100% Investment Property loans
• First Time Homebuyer - OK!
• Fast Closings!

We listen to you and your goals and then customize your loan to meet your specific needs. Not all loans are right for you, and we make sure that the loan "fits" you and your needs. Some lenders push certain loan types and programs, such as interest-only loans, to people who don't need them, just to quote them a lower payment. Interest only loans are not for everyone, and are acutally the number one loan type for foreclosures in 2006. We make sure your interests and goals are protected and delivered.

Reasons to Refinance

Here are five major reasons to consider refinancing an existing mortgage:

1. Decrease monthly payments from a higher fixed rate to a lower fixed rate
   Example: If the rate is 7.5% now and a homeowner switches to a 6.5% rate, he or she will save 1% on the mortgage less the costs of refinancing. On a $200,000 mortgage, for example, the savings will be over $50,000 over 30 years by reducing the interest rate by just that one percentage point.
2. Improve monthly cash flow with lower payments.
   Cash flow may be tight after moving into a new home. Switching to an adjustable rate program where the rate is fixed for the next three to ten years could provide breathing room needed. Similarly, for those who are in a 15 or 20 year term loan, switching to a 30 year term can also increase monthly cash flow.
3. Switch to a fixed rate program to eliminate payment changes of adjustable rate mortgages (ARMs).
   Homeowners with one year ARMs will see their rates rise as rates move up. Using programs that hold rates steady for three, five or seven years, one can refinance into a low fixed rate. Not only will that bring immediate savings, but it can protect against an even higher rise in their one year adjustable rate loan next year.
4. Withdraw funds from the equity in a home.
   If cash is needed for home improvements, college education or to consolidate debts, the borrower may be able to refinance up to 100% of the current value of the home if it has been owned for one year or more.
5. Shorter Loan Terms
   Probably the best incentive to refinance is found by refinancing into a shorter term loan while keeping the loan payment stable. A borrower can save tens of thousands in interest by reducing the term of the loan and can drastically cut remaining years off the term of the loan. This is a great tool for those looking to be mortgage-free by the age of retirement.

Michelle P., Trussville, AL - "We called several mortgage companies when we were trying to purchase our home. We decided to go with ABSOLUTE Mortgage and we are very happy with our decision. Dan was great to work with and he worked very hard for us to ensure our loan was processed in a timely manner. He went the extra mile for us and we got a lower rate than we expected which saves us about $1000 annually. Thank you ABSOLUTE Mortgage."

Billy C., Birmingham, AL - "It am so glad that a friend referred me to ABSOLUTE Mortgage. They saved me over $1200/month. I had let my debt get beyond my control and started to get behind on my bills. My bank basically laughed at me, but ABSOLUTE Mortgage fought for my financial independence and even with damaged credit, they were able to payoff two mortgages, 5 credit cards and give me the cash I needed for my business."

Jodi B., Mountain Brook, AL - "What can I say except that ABSOLUTE Mortgage is the real deal! We were neck deep in monthly bills and wanted to consolidate them into one low fixed rate, as well as get some extra cash for home improvements. I had shopped over 5 different mortgage companies and was told about the same thing by all of them, "your debt ratio in too high…the max we can loan you with ‘cash-out' is 75%...", except for ABSOLUTE Mortgage. Apparently there are restrictions on "cash-out" and Jumbo loans, but Dan was able to provide us with a larger loan (90%) and at a lower fixed rate, with no PMI, than any other company could, even our bank of 15 years, and in addition to this he has helped us improve our income tax position tremendously! ABSOLUTE Mortgage has earned our trust and loyalty, and we will give them all of our mortgage needs."

James B., Pinson, AL - "As a first time home buyer I was quite nervous throughout the process, but ABSOLUTE Mortgage, LLC handled all the details, got me a sweet deal, and it made me feel good to see them accompany me to the closing table to make sure things went smoothly. Even though I could only pay 5% down, ABSOLUTE Mortgage found me fixed rate loan where I could avoid PMI! No more renting days for me, especially when it's cheaper to own than rent! I cannot wait until next year's tax return!"

Wayne O., Trussville, AL - "I received a postcard in the mail from ABSOLUTE Mortgage, and it couldn't have come at a better time. My wife and I have recently retired and were struggling to survive on our reduced incomes and were concerned about getting behind on our bills. ABSOLUTE Mortgage listened to our concerns, presented us with 3 proposals and delivered exceptional results. They were able to reduce our monthly payments over $1000/month and freed us from 9 credit cards. We can sleep soundly once again, thanks to ABSOLUTE Mortgage.