Integrité First Mortgage, LLC (SM) (IFM) is a Christian values company established in South Carolina in 2004 to accommodate the general public's need for a pleasant mortgage alternative to banks, credit unions, and other mortgage organizations. We are Federally and state licensed in the State of South Carolina. Did you know that a large majority of banks’ and other financial organizations’ mortgage process is similar to IFM? Most of their mortgages also end up in the same place with Fannie Mae, Freddie Mac, USDA, or VA! The major difference is in IFM's higher integrity, lower closing costs, lower interest rates, and higher accuracy.
"I would have been satisfied working for any company or government entity who was honest and did not put money first. I could not find one so I started Integrité First Mortgage, LLC (SM) in 2004. This gives us the opportunity to put our customers and mortgage services first, not money. God will take care of us in the long term."
*** IFM guarantees the lowest interest rates at a lower cost because we have lower operating costs and revenue requirements which saves you a lot of money! Part of the income generated by banks, credit unions, and mortgage institutions is based on the interest rate they offer their customers. Most of these organizations split the income generated from the higher interest rates with their loan originators. The higher the interest rate the more revenue they generate to cover their higher costs. Some of these organizations also have stock shareholders to appease so they operate to maximize their income from their customers.
Interest rates are also partially based on your credit profile and scores. You have worked hard all your life to maintain a good credit profile. This has earned you the right to the lowest mortgage interest rates. Why settle for higher interest rates and closing costs because you think the financial institution you are banking with has your best interests in mind? You can still bank with them even if you secure your mortgage through IFM. As we have done many times, we will also float down your IFM locked-in interest rate during the mortgage process if the mortgage market presents this opportunity. This will be at no cost to you!
IFM rewards everyone who can qualify for a new mortgage with the lowest available interest rates. We require lower revenue to cover our service costs so you receive a lower interest rate and lower closing costs. We also do not have stock shareholders to satisfy. We accomplish all of this without compromising our integrity and awards winning services to you!
We want to be your complete mortgage company. Our company objective is to provide residential mortgage loan services to people who require personable and friendly services in a timely manner. It is not our desire to set the world on fire like other mortgage companies who operate to see how many loans they can punch out.
"We guarantee you the lowest interest rates!"
IFM has analyzed and experienced many mortgage industry lenders and we have established relationships with those that provide the lowest interest rates and most dependable services. This means that whatever your mortgage needs are, we can offer you the lowest interest rates in the industry and meet your required closing date.
The IFM staff is well educated in mortgage products and laws because the government requires us to be educated annually. This allows us to provide our customers with a higher level of understanding. Bank's and credit union's mortgage personnel are not required to be trained at all! We work closely with our customers to offer them the best mortgage programs based on their financing needs and unique situations.
IFM provides first and second mortgages to our city and rural customers throughout the State of South Carolina. We have expertise in fixed and adjustable rate and balloon products. Our Conventional, Jumbo, and VA Loans interest rates are the lowest in the market. We will finance purchase and refinance transactions on primary residences, second/vacation homes, and investment properties. We also offer the Home Affordable Refinance Program (HARP) to help people who wish to refinance a house that has reduced in value. (Products may change and are subject to availability)
IFM can assist homebuyers with good or less than good credit. As long as you have at least two good credit lines, reasonable income, and can be pre-qualified, we can offer you available financing.
We are very unique with our mortgage services as we believe that we are financing people's dreams. We understand how important these dreams are to our customers!
"We provide friendly, professional, honest, and timely mortgage services."
IFM is licensed with the State of South Carolina and the Federal Government. We are also a member of the National Association of Mortgage Brokers and the Better Business Bureau. These affiliations have solidified our position as a prominent public service company in the finance industry.
IFM is also a humble supporter of many charitable organizations.
IFM will beat all competitor interest rates and/or closing costs. Simply email us a competitors current valid Loan Estimate to our email address:
Integrité First Mortgage (SM) is enthusiastic to perform their services for you and we look forward to the opportunity to help you achieve your mortgage needs. Please call us today or send us your information by clicking on the "Contact Us" link above to begin the mortgage process for the refinance or purchase of your dream home!
Integrité First Mortgage, LLC (SM) closes mortgages quicker and always offers the lowest interest rates. We do not participate in the tactics that banks and other mortgage companies play - they will offer you an interest rate that maximizes their income from you hoping that you will accept it and tell you that if you find a better interest rate elsewhere to come back to them and they will match it. They do not want to offer you their best interest rates because they desire to take advantage of you. The higher the interest rate they can get you to accept the more money they make off of you. Obviously, their interest is in themselves - not you. Integrité First Mortgage, LLC (SM) , on the other hand, always offers all of their customers with the lowest interest rates initially because we value our customers. We want them to be happy and stay with us for future home financing as well!