Purchase and Refinance First Mortgages

	If you want to purchase a home.
	If you want a cash out refinance up to 100%.
	If you have a first mortgage loan with an adjustable rate and want to convert it to a fixed rate.
	If you want to refinance and combine your existing first and second mortgages into one low fixed rate loan.
	If you have bought a house on Contract for Deed and want to get your own loan.
	If you have a considerable equity and want cash to pay off high interest rate debts such as Visa, MasterCard, Personal loans, etc.

Home Equity Loans

If you're a homeowner, a Home Equity Line of Credit is a flexible way to cover major purchases or expenses. A Home Equity Line of Credit is a variable-rate, revolving line of credit based on the available equity in your home.

Control your finances:

	The interest may be tax-deductible
	It offers a lower rate than other types of loans
	You have continuous access to the money during the draw period

Use it for:

	Home improvements
	Auto purchase
	Tuition and other major expenses
	Transferring higher rate credit card or loan balances

Construction Loans

A construction loan is the right mortgage for you if:

	You are purchasing a home in a new development
	You are building a custom home

Whether you are building a completely custom home or purchasing in a new subdivision or development, a construction loan is often necessary because of the extended time frame and special needs of the building process. Century Lending Services offers exceptional financing programs to meet the needs of either type of construction.

No Income/No Assest Loans

Century Lending Services has access to financing specifically arranged for those borrowers who require privacy when it comes to their earnings. Self-employed and salaried employees will qualify.

Save yourself the hassle and headache of trying to explain your way around past income fluctuations, sporadic employment, a career change or source of funds used for the downpayment. As long as you have maintained good credit standing over the past 12 months, Century Lending Services will obtain financing for you. Best of all, for those in cash business, there is no need to sign a form 4506.

Found the perfect location to build your dream home...and now you need the perfect loan?

Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Century Lending Services will fund your Construction-to-Permanent Loan once you're ready to build.

Free Pre-Approvals! (412) 920-7283

A pre-approved mortgage can give you the peace of mind knowing you can afford the home you want. It can also give you additional leverage with a seller in negotiating the best possible terms of the sale. Our pre-approved mortgage program is ideally suited for this purpose.

Get Ready - Get Approved

Century Lending Services takes the doubt out of the buying and borrowing process. Our program tells you the maximum mortgage amount you can expect to obtain and provides added assurance that your financing is arranged when you find the home you want to buy. You'll receive a pre- approval, subject to an appraisal on the home you intend to buy and other credit conditions.

Saves You Time and Money

Knowing the amount of mortgage you can borrow allows you to zero in on homes that fall within your budget. Also, once you select a home, final mortgage loan approval and closing can be completed promptly, since we already have most of the required paperwork in hand.

Improves Your Negotiating Power

Sellers are more comfortable knowing that prospective buyers are pre-approved. That gives you an edge when negotiating price and other contingencies.

Shop With Confidence

	You enjoy the added peace-of-mind knowing your financing will be in place when you need it.
	Let us help you make buying a home easier. We'll help you choose the right home at the right time and at the right place.

Call us at (412) 920-7283