America 1st Financial, Inc. (AM 1) is leading the industry in new and exciting ways to make sure your dreams of home or commercial real estate ownership come true! AM 1 is a mortgage broker with over 14 years experience in the industry working for you, not the bank! They get wholesale rates and very diverse lending programs from as many lenders as they like. This means they are not limited to just one lender, so let them do the shopping for you. This can save you time, effort, money and you or your client's credit score! The company has the capability to lend on commercial or residential property and can assist anyone looking to do a construction loan. In addition, they have an in-house private money manager to work out those hard-to-fit-in-the-box deals.
AM 1is family owned by father and son Garth Smith and Roberto Zermeno. The company also believes in supporting the community. Smith is a Carlsbad resident that is actively involved in the Chamber of Commerce and AM 1 proudly sponsors the Carlsbad traveling youth baseball team the "Werewolves."
AM 1's management and its employees are dedicated to keeping themselves educated on current markets with up-to-the-minute market alerts that will affect your mortgage loan. The company has weekly continuing education for all their loan officers and many of their employees have university degrees in business, finance and economics. Plus, the corporate environment is very diverse with five languages spoken by their loan officers to accommodate today's world.
The Chairman of the Federal Reserve has been raising the prime rate to avoid inflation. What that means to the consumer is that the interest rates on Home Equity Lines of Credit (HELOC) are moving higher as well. The interest rates on the HELOC's are much more competitive than a credit card or any other form of credit out there. Long term rates are still remaining incredibly low. The ten year note has had a 52 week range of 3.80 to 4.69. This is important to the consumer because the ten year note runs parallel to the interest rates for 30 year mortgages. If you need a new home, commercial or HELOC loan, now is the time to get one, before the rates get any higher!
At AM 1, their goal is to provide customer service that is unparallel in the industry. AM 1 is dedicated to putting their clients into a better financial position. They will pre-qualify you or your client for free. They will also do a FREE LOAN ANALYSIS of the current loan on the property for you or your client. The loan officers and support staff are very aware that North County is a small tight-nit community that will prosper on flourishing personal and professional relationships. Do not be surprised if you even get a call directly from the owner to "Welcome you aboard the team!"
AM 1is family owned by father and son Garth Smith and Roberto Zermeno. The company also believes in supporting the community. Smith is a Carlsbad resident that is actively involved in the Chamber of Commerce and AM 1 proudly sponsors the Carlsbad traveling youth baseball team the "Werewolves."
AM 1's management and its employees are dedicated to keeping themselves educated on current markets with up-to-the-minute market alerts that will affect your mortgage loan. The company has weekly continuing education for all their loan officers and many of their employees have university degrees in business, finance and economics. Plus, the corporate environment is very diverse with five languages spoken by their loan officers to accommodate today's world.
The Chairman of the Federal Reserve has been raising the prime rate to avoid inflation. What that means to the consumer is that the interest rates on Home Equity Lines of Credit (HELOC) are moving higher as well. The interest rates on the HELOC's are much more competitive than a credit card or any other form of credit out there. Long term rates are still remaining incredibly low. The ten year note has had a 52 week range of 3.80 to 4.69. This is important to the consumer because the ten year note runs parallel to the interest rates for 30 year mortgages. If you need a new home, commercial or HELOC loan, now is the time to get one, before the rates get any higher!
At AM 1, their goal is to provide customer service that is unparallel in the industry. AM 1 is dedicated to putting their clients into a better financial position. They will pre-qualify you or your client for free. They will also do a FREE LOAN ANALYSIS of the current loan on the property for you or your client. The loan officers and support staff are very aware that North County is a small tight-nit community that will prosper on flourishing personal and professional relationships. Do not be surprised if you even get a call directly from the owner to "Welcome you aboard the team!"