As a DIRECT LENDER, our goal with every single borrower is to provide you the very lowest rates available for your home loan.
Over 30 Years of experience in Lending, our team knows how to navigate the vast array of loan programs and processing procedures.
Rest assured, we are here to help. We seek to earn your trust and business for years to come.
Welcome to Equity One Financial, inc.
Equity One Financial was formed to create an alternative to high priced Mortgage Banks and the interest rates they pass along to the consumer. Traditionally, Mortgage Banks and even smaller Broker shops create a “Retail” philosophy of increases to the rates available that they sell to their customers. The industry of mortgage interest rates by design offer a vast array of variables to the rate in which the lender can pass along to the consumer. Typically, a 1/8% to a ¼% rate difference drastically differs to the lender in potential rebates as compensation.
Most “Retail” priced organizations increase the cost to the consumer in points or “rebate points”, by three to five times over the par rate. The Par Rate is the rate in which it neither costs the lender to obtain, nor pays a rebate for that rate. A rebate is compensation to the lender potentially included in the actual rate the customer chooses.
We have created a “wholesale priced” platform for the consumer that typically beats the interest rates offered by most lenders by a minimum of a 1/4% TO 1/2% and even as much as ¾%.
This value in dollars represents thousands or potentially tens of thousands of dollars in savings to the borrower.
This savings can be used by the borrower for monthly obligations or to accelerate the payoff of the loan. In other words, you can pay off the loan early by using the savings as a monthly principal reduction.
We believe there is far too much greed in the industry and offer an alternative option for the smart consumer. The single largest purchase for most people is their home. Why pay more. Check us out and choose an honest approach to lending.
Edward Mueller
Edward MuellerFounder & President
Edward Mueller has over 30 years of mortgage banking experience. Ed has always been a leader in the industry by offering exceptional opportunities for his clients. He began his career in Veteran Administration loans. Over a span of years, Ed offered lower interests rates as they became available to his Veterans clients numbering in the hundreds who took advantage of the declining market rates without cost added to the loan. This represented in some cases four or five IRRRL (Interest Rate Reduction Refinance Loan), and up to tens of thousands of dollars in savings over term loan amortizations (the life of the loan).
The same opportunities exist for the conventional loan market. Don’t overpay in rate and terms for your mortgage. It represents far too much in lost income.
Our promise to you is that you will be offered the very best interest rates available in the industry for your mortgage financing.