| Welcome - William Payton, President |
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 Creative Mortgage Usa, inc. ("Creative Mortgage") is a first class Illinois mortgage company.
My name is William Payton, I am the President and C.E.O. of Creative Mortgage. Please feel free to contact me at 708-339-4400 for all your mortgage services and needs, or for any of our loan officers. I am proud to be part of this great organization.
Creative Motgage is the online mortgage website that offers real financial solutions at low, down-to-earth rates. We understand that there are people with good credit as well as those with less than perfect credit ("BCD"). Whether you want a mortgage loan for home equity, refinance, purchase, investment, or debt consolidation, we have mortgage loans for you at the best rates available. We are uniquely qualified to handle online mortgages using cutting edge technology and mortgage software. Applying for a mortgage is no longer constrained by time and place. We utilize electronic commerce on the Internet in a fast, efficient, and convenient way. As a result, we are able to lower our overhead prices (this translates into lower rates for you). Our site is secure to make lending online a safe and convenient mortgage application process. |
| Creative Mortgage Commitment To You |
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Creative Mortgage is qualified in handling various types of mortgage loans. These include but are not limited to zero point loans, fixed rate loans, adjustable rate loans, jumbo loans, A credit (conventional) BCD credit (less than perfect) and FHA mortgage loans. No matter what type of investment, we have a program for you. We have mortgage loans for real estate, apartment buildings, commercial property, or vacant land. Our flexible mortgage loan programs include allowance for gifts, cash out refi, as well as no fees, no asset, no income, and no documentation. To get a better idea of what we offer, check out our rate sheet. Feel free to use our payment calculator to assist you in your loan decision. |
| Creative Mortgage Programs |
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Creative Mortgage is qualified in handling various types of mortgage loans. These include but are not limited to zero point loans, fixed rate loans, adjustable rate loans, jumbo loans, A credit (conventional) BCD credit (less than perfect) and FHA mortgage loans. No matter what type of investment, we have a program for you. We have mortgage loans for real estate, apartment buildings, commercial property, or vacant land. Our flexible mortgage loan programs include allowance for gifts, cash out refi, as well as no fees, no asset, no income, and no documentation. To get a better idea of what we offer, check out our rate sheet. Feel free to use our payment calculator to assist you in your loan decision. |
| Items To Speed Up The Mortgage Process |
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Be prepared to provide the following typical items:
1. The final purchase contract for the house (not applicable if refinance).
2. Pay stubs for each applicant showing earnings for the last 30 days and year-to-date earnings. (These must be computer-generated or typed originals that identify the employer and the employee's name.)
3. Last year's W2 (employee) and 1099(self-employed) for each applicant. If you're self-employed, You may be need your personal and business tax returns for the previous two years and your company's year-to-date Profit and Loss statement.
4. Account numbers for all bank accounts, along with account statements for the past two months.
5. Evidence of your mortgage or rental payments, such as canceled checks.
6. Proof of insurance (coverage page only)
7. An irrevocable gift letter if you are receiving a monetary gift from a relative.
8. An e-mail address to receive your loan documents by e-mail.
9. An appraisal on the subject property (must be pre-paid). |
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