Welcome To Consumer Mortgage Services, Inc.

 At Consumer Mortgage Services, Inc., We are members of the Better Business Bureau and have maintained an A + rating for the past 30 + years. We work personally with you from the initial loan application and throughout your loan process. We attend your loan closing which aids in a smooth and seamless loan transaction. Should you have any questions after your closing, we are here for you. As a local mortgage brokerage company you will NOT get lost in the shuffle of a 1-800- LENDER/BROKER who may lose touch with you after your loan closing.

                                                 ***** FANNIE MAE HAS ELIMINATED THEIR MINIMUM CREDIT SCORE REQUIREMENT OF 620*****

    Whether you don't have a credit score, have had a prior foreclosure, or have had a prior bankruptcy, we may have a loan program that can fit your needs. If you are self-employed, we are well versed in using self-employed income to get you qualified. Our top tier interest rates are some of the lowest in the industry. We also have hybrid ARMS (5 year or 7-year fixed rates) that are generally priced .5% lower than 30-year fixed rates.

                                                               We may be able to assist you with your down payment. **Restrictions Apply**

                                           **We have some of the lowest mortgage insurance premiums (over 80% loan to value) in the industry. **

                                                 **We have various programs for rental purchases, 2nd home (vacation home) and multi-unit buyers. **

              ** We offer FIXED RATE Second Mortgages and FIXED RATE Home Equity Lines of Credit to 90% of the value of your home. These                                                    products are ideal for eliminating higher rate debt such as CREDIT CARDS, and STUDENT LOANS that now require repayment. A 2nd                               mortgage can also be used for a major home project. Keep your First Mortgage intact and use a 2nd mortgage to accomplish your financial needs** 

                                                           ****Home Equity Loans/Lines available on investment PROPERTIES and 2nd homes*****

                                              Up to 90% cash out FIRST mortgage refinances on a primary residence refinance with NO mortgage insurance.   

                          **The 2026 Conventional Loan limit is $819,000 for a 1-unit property. Increased loan limits are also available for 2-4 units properties**

                                                   Use our buydown calculator to assist you with your potential savings from a temporary buydown.

            Being approved with multiple lenders allows us to obtain a loan program that may fit most borrowers' requests. If you are needing a specific term for your mortgage, we offer CUSTOM terms from 8-30 years. We also offer custom rate locks from 8-90 days. We also offer EXACT rates for all mortgage programs.