Interest rates are at 40-year lows.  Take advantage of a unique opportunity.  Check out our Interest-Only loans with an amazingly low 1% rate.  Stratford Funding offers no cost mortgages for all types of loan programs.  Refinance your current mortgage or take cash out of your home at absolutely no cost.  Stratford Funding will pay all of the closing costs.  Call us today at 248-355-2700 to learn more about Stratford's low rates, unparalleled service and no cost mortgages.

Financial Services

  • Buying a Home
  • Refinancing Your Home
  • Pre-Approvals
  • Debt Consolidation
  • Home Improvement
  • Building Your Home
  • Relocation Services
  • FAQ’s
  • Refer a Friend


     BUYING A HOME:

    We understand buying a new home is a difficult process. Stratford Funding will assist you to make this a pleasurable experience.

    While on our web site - we will assist you in choosing which mortgage program best fits your needs. If you are not sure what you can afford, simply calculate your projected mortgage payments utilizing our user friendly Payment Calculator.

    Apply on-line and receive the type of customer service you deserve. Apply now and get the mortgage process started - at your fingertips and at your convenience!



    REFINANCING:

    Use Stratford Funding’s on-line application to make refinancing as easy as possible. If you are not sure if you should refinance - simply use our Mortgage Calculator to find out what program and rate will benefit you the most.

    There are several reasons to refinance your current mortgage:

  • Lower your rate
  • Reduce your monthly payments
  • Use the equity in your home for any purpose
  • Reduce your mortgage term - saving possibly thousands of dollars in interest



    PRE-APPROVALS:

    Stratford Funding offers free on-line pre-approvals. Why wait to obtain mortgage financing, when you can do it today? By obtaining a pre-approval, you gain an advantage over other buyers in the marketplace.



    DEBT-CONSOLIDATION:

    Utilize the equity in your home to:

  • Payoff high-interest rate credit cards
  • Consolidate your first and second mortgages
  • Payoff past due real estate taxes
  • Finally rid yourself of looming medical bills
  • Satisfy the creditors that keep calling and have a good night’s sleep

    Feel free to apply on-line and realize tens, hundreds, and even thousands of dollars in monthly savings. Call our offices for a free credit/debt analysis. Find out how to save the most money possible.



    HOME IMPROVEMENTS:

    Stratford Funding will help you to obtain the money you need to:

  • Complete an addition
  • Install new windows
  • Finish the basement
  • Update the kitchen or bathrooms
  • Replace an old roof
  • Add a new garage
  • Buy a new furnace or water-heater
  • Add a pool

    For whatever reason you can think of, Stratford Funding will help you get the money you need fast! Apply on-line to begin the process today.

    BUILDING YOUR HOME:

    Stratford Funding offers many exciting products to assist you with the construction of your new home. We have single closings available to make the process worry-free.



    RELOCATION PRODUCTS:

    Stratford Funding has many products available for those clients that are relocating to a new area. Stratford Funding offers specialized rates, costs and pricing. Apply on-line today to see if you qualify for one of our unique relocation programs.



    FREQUENTLY ASKED QUESTIONS:

    What are Points?

     Points, also known as “discount points”, are monies paid at closing to obtain a lower interest rate. To determine if paying points is beneficial, call a Stratford Funding loan representative today.

    What is Credit Scoring?

     Credit Scoring, also known as FICO scoring, is a statistical estimate of future payments, based on information obtained from your credit report. This computerized model uses facts generated by an enormous sampling of actual credit profiles compared over time. This “score” is used to determine your willingness to repay your prospective mortgage payment.

    What is Private Mortgage Insurance?

     Private mortgage insurance (commonly known as PMI) is often necessary for borrowers with less than a 20% equity position in their home. By definition, it protects lenders from individuals who default on their loan, and assists homebuyers to purchase homes with less than 20% down.

    What is the difference between pre-qualification and pre-approval?

     A pre-qualification is a verbal, non-verified interview with a lender to determine a mortgage amount that is appropriate according to your unique situation. The pre-approval process involves applying for a loan, and then allowing your lender to verify the necessary information to obtain a mortgage commitment. This is an invaluable tool when shopping for homes.

    Should I use a Realtor?

     Searching for a new home is not as easy as one may think. At Stratford Funding, we strongly recommend that you contact an experienced Realtor to assist you with the location of your new home.


    REFER A FRIEND:

    If you have a friend, family member or a co-worker in need of Stratford Funding's financial services, click here.



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