Licensed Mortgage Banker / Lender: CALIFORNIA, CONNECTICUT, FLORIDA, GEORGIA, ILLINOIS, MARYLAND, MASSACHUSETTS, MICHIGAN, MINNESOTA, NEW YORK, NORTH CAROLINA, SOUTH CAROLINA, TEXAS, VERMONT, VIRGINIA


Consolidate Your Debt and Save

Take Control of Debt, Even If You Have Less-Than-Perfect or Bad Credit!

Even if your credit is less than perfect, you can consolidate your debt and save on monthly payments.

You can qualify for a bad credit mortgage to consolidate debt if you meet just a few basic requirements - even if you have foreclosure, bankruptcy, delinquencies, judgments, charge-offs, collections, or tax liens on your credit report!

We’re a mortgage lender that specializes in less-than-perfect credit. When you work directly with NCMB, you enjoy great rates and straight talk about your choices. We help people in your situation every day. We can help you evaluate your debt consolidation options – and get the financing you need at the best rates for you.

Get answers from a loan advisor now:
1-800-626-2585 x 112 weekdays
1-800-869-5780 evening & weekends
7 days a week

Online Debt Consolidation Inquiries - Our Promise to You
When you fill out our simple debt consolidation inquiry form below, you’ll hear back from us within 8 hours. You will only be contacted by your trusted loan advisor at NCMB – you will never be pestered by lenders trying to sell you loans, like many online debt consolidation services. We keep your information 100% secure and confidential.
Step 1: Tell us about your loan
Type of Loan
Property State
Estimated Home Value
Current Mortgage Balance
Requested Loan Amount
Step 2: Tell us about yourself All Fields Are Required in Step 2
First Name
Last Name
Home Phone

* required format 111-222-3333 		Second Phone

* required format 111-222-3333
Email
Estimated Credit Profile
(Bad credit ok!)

Call our seasoned loan professionals today for the best mortgage rates in New York,
Connecticut, Florida and major US states. NCMB residential mortgage services are expanding nationwide.
Weekdays 1-800-626-2585 x 112
Evenings & Weekends 1-800-869-5780

 

DEBT CONSOLIDATION LOANS FOR HOMEOWNERS
HOME EQUITY LOANS

Lower your credit card bills and pay off high interest credit cards with a home equity debt consolidation loan. Consolidate your credit card bills into one single monthly payment using the equity in your home to help reduce your current monthly payments.

Homeowners with multiple credit cards or other types of unsecured loans can benefit from debt consolidation through a home equity loand or Line of Credit. The interest you pay on your home equity loans my be tax deductible.

With Our Debt Consolidation Loans You Can:

  • consolidate various debt payments into one single, affordable monthly bill.
  • free yourself from penalties and high interest credit cards or other loan payments.
  • stop filing bankruptcy and work toward becoming debt free.
  • Our debt consolidation services are tailored to all financial situations.

Banks will not loan you money if you have a bad credit history. With North Country Mortgage, our loan professional will work with you to find the best debt consolidation programs. This is what makes us one of New York's best online debt consolidation services.

FIND OUT IF YOU HAVE BAD CREDIT RATING

NCMB: Debt Consolidation Loans

 

$100,000 home loan for $339 per month! Generate Monthly Cash Flow NOW.*

*The payment for the first year is based on start-interest rate of 1.375% (APR 1.4%). You have the option every month to choose from 4 monthly payment options which best satisfy your needs. The monthly payment of $339 monthly remains fixed for 12 months and will increase to $364 beginning year 2 and continue to increase each year through year five at a rate. Rates subject to change without notice. Payments are approximate.

Call for details to determine whether you qualify for option payment mortgage program.

The Option Arm consists of adjustable rate mortgage (ARM) products with the flexibility payment options for you the borrower. You are in control of which payment option you want to make each and every month. The Option Arm (ARM) payment each month is calculated based on the performance of the MTA Index. The 12-MTA Index is based on yields published in the release titled “Selected Interest Rate-H-5,” published by the Federal Reserve Board on the first Tuesday of each month. The index is the calculated based on 12 month average of the preceding months.

Payment Options:
You choose the payment option each month. A minimum monthly payment is calculated off the low start rate. Then the minimum monthly payment is fixed for the year. Each year the minimum monthly payment increases 7.5% through year five. For example, if in year one the minimum monthly payment is $339 monthly, then the minimum monthly payments for the first five years are estimated as follows:
Year-1-$339; Year-2-$364 Year-3-$391 Year-4-$420 Year-5-$451

After the introductory period, borrowers may have four payment options:
1. The minimum monthly payment as described above
2. Minimum payment plus any interest owing for the current month (interest only)
3. Full principal and interest to amortize loan fully within the original loan term (40 or 30 years)
4. Principal and interest in the amount that would fully amortize the mortgage over an initial 15-year term.

Deferred Interest
If you choose to pay the minimum monthly payment, then deferred interest will accrue as the minimum monthly payment is not sufficient to pay the total monthly interest due. You have the option to allow interest to defer or may choose to eliminate any deferred interest by increasing the monthly payment amount or by paying the deferred interest in a lump sum at anytime. Call for addition details.

Eligible Properties
1-Unit properties
Single family, attached/detached
Second home
Condominium/Planned unit development (PUD)
Cooperatives (Co-ops)

Full Documentation
Loan amounts available for up to $1,500,000 with loan-to-value ratios (LTV) ranging from 65% up to 80% with combined loan-to-values (CLTV’s) up to 90%. Available for purchases and cash out refinancing. A minimum FICO required of 620. Call for additional information on product guidelines and restrictions.

Stated Income
Stated income loans are available for self-employed or non-salaried income; at least one applicant must be self-employed or non-salaried.

Loan amounts available for up to $1,500,000 with loan-to-value ratios (LTV) ranging from 60% up to 80% with combined loan-to-values (CLTV’s) up to 80%. Available for purchases and cash out refinancing. A minimum FICO required of 680 and in some cases a minimum FICO of 700 is required. The minimum FICO may be reduced to 650 when the maximum LTV for the loan limit is reduced by 5%. Call for additional information on product guidelines and restrictions.

Refinance your mortgage NOW and save over $300 a month!*

*Savings based on refinancing a 30 year fixed rate mortgage of $100,000 with an interest rate of 6.75%. The difference in payments is approximately $309 or $3,708 yearly.

$200,000 home loan for $678 per month! Generate Monthly Cash Flow NOW.*
*The payment for the first year is based on start-interest rate of 1.375% (APR 1.4%). You have the option every month to choose from 4 monthly payment options which best satisfy your needs. The monthly payment of $678 monthly remains fixed for 12 months and will increase to $728 beginning year 2 and continue to increase each year through year five at a rate. Call for details regarding payment options, payment amounts and to determine whether you qualify for option payment mortgage program. Rates subject to change without notice. Payments are approximate.

Refinance your mortgage NOW and save over $615 a month!*
*Savings based on refinancing a 30 year fixed rate mortgage of $200,000 with an interest rate of 6.75%. The difference in payments is approximately $682 or $8,184 yearly.

$300,000 home loan for $1,017 per month! Generate Monthly Cash Flow NOW.*
*The payment for the first year is based on start-interest rate of 1.375% (APR 1.4%). You have the option every month to choose from 4 monthly payment options which best satisfy your needs. The monthly payment of $1,017 monthly remains fixed for 12 months and will increase to $1,093 beginning year 2 and continue to increase each year through year five at a rate. Call for details regarding payment options, payment amounts and to determine whether you qualify for option payment mortgage program. Rates subject to change without notice. Payments are approximate.

Refinance your mortgage NOW and save over $925 a month!*
*Savings based on refinancing a 30 year fixed rate mortgage of $300,000 with an interest rate of 6.75%. The difference in payments is approximately $1,020 or $12,240 yearly.

Please note that your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, credit score, income, employment status, and other factors. North Country Mortgage Banking is licensed to provide mortgages, refinance home loans, bad credit mortgages and home loans and other loan and refinancing services in New York, Florida, Connecticut, South Carolina, Texas, and Minnesota.

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