edit Billy Davis

Bill Davis

Obtaining a home loan in order to move into your dream home is an extremely difficult process. No matter where you are in the USA, Bill Davis can help get you the home loan you need. He has years of experience and a wealth of experience providing clients with the necessary home loan support.

Billy is a loan officer at Flagstar Bank and has over thirteen years of expertise which he has built through trust and hard work. His portfolio includes a variety of happy clients from all over the United States where he provides his expert personal services.

edit Loan Types

edit Loan Process

• Pre-Qualification

Bill can tell you what loan amount you may be eligible for, based on the information you provide.

• Application

There are two ways to apply for a loan:

Online

Apply online and submit your application easily and quickly at your convenience.

By Phone

Talk to Bill personally over the phone. You can contact him anytime at his toll free number that rings straight to his cell phone.

Bill will prepare and send you the appropriate disclosures and submit your loan for underwriting approval.

• Interest Rates

Mortgage rates are tied to movement in the financial markets. Since the financial markets are subject to volatile movement on a daily basis, even throughout the day, there are no guarantees what mortgage rates will be at any given time.

Bill recommends SmartMoney.com as a great site to see real time market movement. Keep your eye on the 10 year bond to see if rates are trending up or down.

At the time of application you may choose to either 'Float' or 'Lock-In' an interest rate. A Floating interest rate may be Locked-In at the current prevailing rate at any point during the loan process by contacting Bill directly.

• Processing & Underwriting - Final Approval

Bill and his support staff will work with you to collect all the necessary documentation required by the underwriter to close your loan. Once underwriting reviews and accepts the documentation you are ready to close on your loan.

• Loan Closing

Bill will work with you to coordinate a date and time convenient to you, the settlement agent (title company or attorney), and sellers, if applicable to close on your home loan. All loans must close and fund prior to the Interest Rate Lock-In expiration date.

edit Contact

Phone: (800) 548-6319

Cell (352) 303-5385

Email:

edit Address

1700 N. McMullen Booth Road, Ste A7

Clearwater , FL 33761

edit About Flagstar Loans

Flagstar is the largest Michigan-based savings bank as well the 2nd largest Michigan-based banking institution.

The Michigan Business and Professional Association named Flagstar Bank one of the Best and Brightest Companies for five consecutive years.

Flagstar recently received an Outstanding rating - the highest possible - from the Office of Thrift Supervision, its primary banking regulator for its community reinvestment activities.

edit Loan Programs

Flagstar's loan program offers a wide variety of loan programs including:

• Fixed Rate Mortgage (ranging from 10 years to 40 years)
• Adjustable Rate Mortgage
• Low Down programs
• Combo loans (first/second mortgage or HELOC combinations)
• Low to Moderate Income programs
• Interest Only programs
• FHA, VA, and Rural Housing programs
• Construction loans (programs for consumers and builders)
• Primary, Secondary, and Investment occupancy types
• Second Mortgage or HELOC programs
• Programs with financed Mortgage Insurance (MI), reduced MI, or no MI.
• Financing available in all 50 states.

Note:Programs are available only to qualified borrowers.

edit Related Links

• FlagstarLoans.com
• Bill's portal at FlagstarLoans
• HomCap.com