Allow us to introduce ourselves, Ace Mortgage Funding, LLC, begun in 1998, has several distinguishing qualities which have given it a reputation for excellence.  This corporate biography is designed to help you understand why that is so.

Our Price/Our Products

Ace Mortgage Funding, LLC is a mortgage broker approved with over 300 national lenders.  The benefit to you is the most competitive price on your selected mortgage product.  Through our relationship with these investors, they are able to keep their overhead low, thus passing the saving on to you.

Ace Mortgage Funding, LLC. offers a complete selection of products including jumbo, conforming fixed rate, adjustable rate mortgages, as well as many other innovative mortgage solutions.

Our Performance

When you apply for your financing through Ace Mortgage Funding, you can count on a pleasant memory, because we are committed to the following performance standards:

• Total accessibility to a mortgage loan officer who can answer you questions.
• Timely updates.
• Prompt funding of your loan.

Our People

It's no coincidence our employees are polite, gracious, and courteous.  That's our practice and our history.  Our stockholders are our employees, so they're highly tenured, self-motivated, and incentive-bonused.  And, the five year average industry tenure per employee is an impressive statistic considering there really is no substitute for experience in such a technical field.  Ace Mortgage Funding, LLC is a member of the Central Indiana Better Business Bureau, and is certified complaint free.

Summary

Ace Mortgage Funding, LLC represents quality and financial strength.  We offer an old-fashioned kind of service from well-qualified, caring individuals.  Our goal is to be worthy of your confidence and deserving of the referral of family and friends. So contact us today, and turn your mortgage concerns over to us.  Our next compliment may just be yours.

Why Use Me? 

I have been in the Banking/Mortgage Industry for 12 years.  I started in Finance right out of Indiana University, my concentration was Finance and International Economics. 

Getting potential buyers qualified is my business.  I make it my mission to present your buyers with a wide array of products and solutions, and to ensure thier loans close on time and with no surprises! 

I can create custom marketing tools for the homes you have listed in order to keep your name in front of those potential buyers who walked through your open house "just to look" and do not yet have a realtor, but have been thinking about the possibility of buying a home! 

I do not turn a potential buyer down after just seeing their credit score.  The majority of mortgage sales people see a credit score and if it is under 620 they turn it down or say the client needs to put a substantial amount of money down in order to qualify.  On the other hand, I see a 550 credit score and ask pertinent questions of the potential buyer in order to build a total picture of that potential buyer's ability to repay a mortgage loan.  If the buyers isn't able to buy right now, we can set them up with a program to get their credit improved.

I am easily accessible to both my Real Estate Agents and their potential buyers!  The majority of my new homeowners have told me that they were glad they were referred to me because they had been turned down elsewhere, were told they needed to wait 2 more years to buy, or worse yet.....thought they were going to have to buy a Manufactured Home and live in that for the next 15 years! 

I understand the market, the industry, what underwriters and lenders look for, and how to get a denial turned into an approval.  I can work with potential buyers on their detrimental credit and get them on the path of homewonership, keeping them in your short term pipeline! 

If I am not getting at least one referral a month from you, then you are leaving money on the table every month!  So many clients call, get turned down and you never hear from them again.  If I get that referral, I build that relationship, bring them to closing table, and then they are customers for life for the both of us!  And a happy customer refers family, friends, co-workers, etc.....It's because you took the time to work with them and helped them achieve the American Dream when no one else could! 

This business is going through major changes.  You need to align yourself with someone who has experience, can adapt to changes and can create more opportunities for even more business! 

Together we both achieve more.

Ace Mortgage Funding, LLC offers home purchase loans, mortgage refinance, home equity loan financing and debt consolidation mortgages in the following states: Alabama – AL. Alaska – AK (Loans will not be made for less than $25,001). Arizona - AZ (License#: BK-0907259; BKBR-0114657 – see State Licensing Link/Office Locations). California- CA (California loans will be made pursuant to a California Department of Corporations California Finance Lenders License, License #’s (603 A651; 603 B499). Colorado – CO (To check the license status of your mortgage broker, visit: http://www.dora.state.co.us/real-estate/index.htm). Florida – FL. Georgia - GA (Georgia Residential Mortgage Licensee No. 19843 – See State Licensing Link/Office Locations). Hawaii – HI. Idaho – ID. Illinois - IL (Illinois Residential Mortgage Licensee). Indiana – IN. Iowa – IA. Kansas - KS (Kansas Mortgage Registrant - License# 2005-4896, 2005-4896-02 - See State Licensing Link/Office Locations). Kentucky – KY (Loans will not be made for less than $15,001). Michigan – MI. Missouri - MO (Exempt under Missouri Residential Mortgage Brokers License Act). Minnesota - MN (This is not an offer to enter into a interest rate lock-in under Minnesota law). Montana – MT (License # 917-S - See State Licensing Link/Office Locations). New Hampshire - NH (Licensed by the New Hampshire Banking Department). Nevada - NV (License No. 1346 - See State Licensing Link/Office Locations). New Mexico – NM. North Carolina – NC (We do not discriminate on any prohibited basis). Ohio - OH (MB.802986.000; MB.802986.001-BR; See State Licensing Link/Office Locations). Oregon – OR (ML-2842, 2842; See State Licensing Link/Office Locations). Pennsylvania – PA (Licensed by the Pennsylvania Department of Banking). South Carolina - SC (Supervised Lender License No. S-6, 142, See State Licensing Link/Office Locations). Tennessee – TN. Utah – UT. Wisconsin – WI. Wyoming – WY. Washington - WA (Loans will be processed and originated out of - See State Licensing Link/Office Locations). See Office Locations links for address info. These services are not available to subject properties located in the States/Districts of: Arkansas, Connecticut, Delaware, District of Columbia, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Nebraska, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, South Dakota, Texas, Vermont, West Virginia, or Virginia. Not all offices are licensed in all States.

Ace originates conforming loans that meet the underwriting criteria required for a mortgage to be purchased by Fannie Mae or Freddie Mac. Borrowers of conforming loans typically have good credit payment histories and relatively low levels of consumer debt. Many of the loans Ace originates are non-conforming loans. The non-conforming loans are generally made to borrowers that have equity in the secured property and good credit histories. In many cases, non-conforming loans tend to have higher loan-to-value ratios and are made to borrowers with higher debt-to-income ratios than conforming loans. These borrowers may include individuals who have good credit histories, but who, due to self-employment or other circumstances, have difficulty verifying their income. Non-conforming borrowers are generally willing to pay higher loan origination fees and interest rates. Ace also originates jumbo loans, which are mortgage loans with an original principal balance exceeding $417,000. Jumbo loan borrowers typically have a high net worth and an excellent credit rating, are highly sensitive to changes in interest rates and have a high propensity to refinance.

Mortgage Banker or Broker?

"Mortgage Bankers" typically are not able to place a wide variety of loans due to their limited product line. As a full service Mortgage Broker, Ace Mortgage Funding has the ability to deal with hundreds of lenders from across the industry.  Dealing directly with these lenders on your behalf allows us to do the research and find the best deal that meets your exact financial needs.  

Peace of Mind

We work harder to earn your business. We pride ourselves on being able to obtain competitive rates possible, saving you hundreds of dollars per month on your mortgage payments. Our rapid turn around time and personalized service will amaze you.  

We can help if you want to:

• Purchase a new home
• Lower your interest rate or reduce the term of your current mortgage
• Refinance your current ARM to the security of lower fixed rate loan
• Get extra cash for any reason
• Consolidate credit card and other monthly debts to save
• FHA Loan Programs

When you contact me there's never a cost or an obligation to see what you may qualify for.

I want to take this time to tell you about my experience with Ace Mortgage Funding. After trying three mortgage companies, Ameriquest, Home 123, and Oak Street Mortgage Services, I was almost ready to give up. I was on the phone with one of the above telling me they couldn't not help me, when my son brought in the mail. I had been very prayerful about this. Nearly ready to give up, I picked up the card from Ace Mortgage.

When I held the card in my hand, I sad to myself, "Okay, Lord one more time." I know very little about cards, mind you, but God reminded me that HE Is #1, and of course in a deck of cards, you can use the ace for a 1, but on the other hand, the Ace will trump a jack, queen, or king. In my heart, HE is the KING of KINGS. If my religion offends you, then so be it.

Okay, I called Ace and spoke with Jeremiah. I faxed everything from the other companies, and he looked at it. I have never in my life had anyone work as hard for a client. Despite obstacle after obstacle after obstacle, my husband and I closed last Friday night.

I am absolutely. Recommending Jeremiah to all of my friends, and if I ever want to buy more property, will definitely use him again. Pat yourself on the back for hiring such a brilliant, generous, hardworking, and very patient employee. He worked very hard for us, and I am so thankful to have "made his acquaintance." We have definitely developed a lasting friendship!

Sincerely,
Mrs. Marsh