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Our Signature Programs – Always Helping You Save Money

Quick Close Program

Quick Close Program

Home Buyer: Owning your home has never been easier than with The Mortgage Specialists newest program. If you are purchasing a single family home we can close your loan, from start to finish, in 10 days* with the same great rates as our other signature programs.

Realtors: We can help you sell more properties by being your partner throughout the whole process. We can close your purchase in 10 days*. Which not only allows you to get paid sooner, it prevents you from taking a property off the market, waiting for an answer that could be no. We can aid in the marketing of your properties through our large messaging centers at all of our locations and by providing you with pre-qualified buyers. All at no cost.

*10 Business Days on Purchase of a Single Family Owner Occupied Home in Maine or New Hampshire (Condos not applicable). Closing conditional on Borrowers satisfying all conditions and not all borrowers will qualify.
Zero Points Zero Closing Costs

Zero Points, Zero Closing Costs

Refinance your current mortgage with our low rate, zero cost program. Pay zero points and zero closing costs. This program allows you to refinance again at no charge after six months if the rates continue to decrease and we can reduce your rate by 1/4 or more.
125% Loan to Value

125% Loan to Value

The Mortgage Specialists has the most innovative programs in mortgage financing today. Don’t miss the financial opportunity of a lifetime! Let us help you find out if you qualify to refinance at 125% of the value of your home with no mortgage insurance. If you have been declined for value in the past, now is the time to apply for great low fixed rates. Pay back less on your mortgage loans!
Rate Watch

Rate Watch

Rate Watch is our exciting new program where you register for our daily rate updates. We will email you the changes in the market so you can follow it like a professional and make your own decision on what rate to act on.
Click here to sign up >
Term-Inator

Term-Inator

This is one of our most popular programs! It works by lowering your rate one-half to five-eighths percent and instead of re-casting your mortgage to 30 years, what we do is lower your term until your new payment (at the lower rate and lower term) is equal to your current payment! It is common to cut 3-6 years off your mortgage AND save TENS of THOUSANDS of DOLLARS over the life of the mortgage home loan.
Debt Mastery

Debt Mastery

Let us help you REDUCE your monthly payments and INCREASE your credit scores! With consumer credit card debt at an all-time high, we developed a program specifically geared towards consolidating those high interest rate credit cards. We do this by rolling all of your debt into one low fixed rate payment that not only allows you to pay principle monthly but is also Tax Deductible! The program WILL save you hundreds, if not, thousands of dollars per month!
Quarter Down

Quarter Down

This has been a hallmark program of the Mortgage Specialists for years! This program monitors your rate daily and if we can lower your rate by a quarter point or more, we will contact you and close your loan again. This program remains active based on market availability.
FHA

FHA Programs

Designed programs to help customers with lower credit scores and reduced property value. The ability to combine 1st and 2nd mortgage. Takes cash out to consolidate debt. These programs allow you to take advantage of some of the lowest rate of our lifetime.
program-reverse

Reverse Mortgage


Click Here to learn more about Reverse Mortgages.