Lowest Rates & Fee Combination Available

At Excel Mortgage we value customer satisfaction.

We take pride in offering the lowest rates, personalized services and very low fees.

We appreciate the opportunity to earn lifelong clients.

Our knowledgeable representatives will assist you in your purchase of your new home or with a refinance of your current mortgage for a lower rate.

Wondering if now is a good time to refinance?

Check out our Refinance Calculator.

Will a new home equity loan or second mortgage lower your monthly payments?

Use our Debt Consolidation Calculator!

Isn't it great how you can go to a car dealership, test drive a few cars, pick out the one you want, and drive it home that same day? You can't do that with a new house.

You need someone on your side when you're buying a home. Who makes sure you aren't doing paperwork you don't have to do. Who speeds up some of the steps you can't avoid. You need a "blocker," clearing the way of obstacles as you head toward your goal.

That's where we come in! Welcome to Excel Mortgage Corp USA, where you'll find out how we make the process of qualifying, applying, and getting approved for a mortgage loan simpler than you ever imagined.

When you've picked out your dream home, the paperwork and hoops to jump through with disclosures, appraisals, inspections, title insurance, escrow, notaries and more can be overwhelming.

Many people think their real estate agent will help them through a confusing mortgage process. Your real estate agent is looking out for you, no question about it. But it's the mortgage lender who wants almost all of those steps and all that paperwork.

We "run interference" with the mortgage lender who's going to make you your loan. We can't snap our fingers and make buying a home like buying a car, but we can make it easier and smoother. And we do!

Electronic filing of most required documents means it gets there faster and you get a decision faster. We've cut down on duplicated information, too -- give it to us once, our systems "remember" it so we don't ask again! And beyond our state-of-the-art technology, we have good old fashioned expertise in mortgage brokerage. We know the ins and outs. We do the heavy lifting for you -- saving you time and aggravation.

Navigate our website to learn how we make getting a loan easier and faster!

Home Purchase Programs

It is important that you understand the features of your home loan and that it meets your financial needs. We can assist you in that determination.

As a strong mortgage broker with the flexibility to also act as a broker, we provide choice, convenience, and control throughout the loan process. We offer a full suite of lending products because we recognize the importance of having the right loan for every situation. Below is a sampling of just some of the programs available through Excel Mortgage Corp. USA.

Fixed-Rate Mortgage (40-, 30- and 15-Year Fixed)

We offer our borrowers the choice of 40-, 30-, and 15-year fixed-rate mortgages. These loan programs have the same interest rate for the life of the loan and monthly payments (principal and interest) that never change. If you escrow your property taxes and insurance, those expenses can change, which will affect your monthly payments. Fixed-rate mortgage may be a good choice if you plan to stay in your home for a long time or if you feel more comfortable knowing your payment cannot change.

Our company also provides an interest-only option for the 30-year fixed product, allowing you to pay interest only in the first 10 years and fully amortize over the remaining 20 years. This option will be more costly as you are paying interest on the total loan amount for the first 10 years. Additionally, if you have mortgage insurance, you will pay mortgage insurance for a longer period of time. Finally, the principal balance will not be reduced unless you pay more than interest only amounts during the first 10 years.

The 15-year fixed mortgage is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate — and you'll own your home twice as fast and pay less interest than with a 30-year mortgage. But with a 15-year loan, you commit to a higher monthly payment.

Adjustable-Rate Mortgages (3/1, 5/1, 7/1, and 10/1 ARM Programs)

An ARM is a mortgage in which the interest rate and payments are adjusted periodically based on a pre-selected index. Subject to certain limitations, the rate and payments on an ARM loan rise and fall with the market.

Our 3/1, 5/1, 7/1, and 10/1 ARMs allow you to pay a lower introductory interest rate than many fixed-rate mortgages offer. Your interest rate and payment are fixed for the initial fixed rate period of 3, 5, 7, or 10 years, depending on the program you select. After the initial fixed period, your interest rate and payment will follow the movement of the index up and down, with certain limits. Our ARMs are among our most popular loans because they help you qualify for a larger home, there is no negative amortization, and your loan may be assumable after the fixed rate period of the loan. An interest-only option is available for these products. It is important to note that with an ARM, you may have a substantial increase in payment after the fixed-rate period and the interest rate over the life of the loan can typically increase five to six percentage points above the initial interest rate.