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FederalMortageServices.com: Helping You Get Connected to the Financing You Need

FederalMortageServices.com is a consumer connection company that is all about helping you get great mortgage quote options from our national network of lenders and brokers. We are not a lender or mortgage broker and are not affiliated with any government entity. Fill our our FastForm today and you'll be on your way to getting your new mortgage!

* Rate displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000 and may include up to 3 points. Disclosed Rate & APR is based on a 15 year fixed rate. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.

* Ratedeal.com does not require visitors to disclose their social security number at the time of submission of this request. Our participating lenders will ask you for your social security number to determine your FICO score which is used to determine eligibility, rate and terms.

Homeowners who refinance from 30 year fixed mortgages to 15 year fixed mortgages can save up to $145,000. More information about this can be found at http://www.nytimes.com/2011/08/21/realestate/exploring-the-15-year-loan-for-refinancing-mortgages.html. Also, in the President's State of the Union address, he told homeowners that if they refinanced at today's historically low rates, they could save up to $3,000. This statement can be found in the State of the Union transcript - http://www.whitehouse.gov/the-press-office/2012/01/24/remarks-president-state-union-address.

Welcome To Federal Mortgage Services!

We’d like to welcome you to the best place on the Internet for mortgage loan quotes, mortgage refinance quotes, new home financing quotes, bad credit home mortgage quotes, reverse mortgage quotes, or simply a low rate home mortgage loan quote that you can afford… FederalMortgageServices.com! If you’re searching for a home mortgage loan lender or mortgage broker who can provide financing for your unique individual situation… you’re in luck! Because we can probably help you meet your goals! Here at Federal Mortgage Services we are dedicated to helping our customers find some of the best mortgage loan rates possible! Our company has developed a network of mortgage loan lenders and/or bad credit mortgage loan lenders across the nation. Our network of lenders specializes in helping people get the home mortgage loan they need, even if they don’t have the best credit. The general mortgage loans and bad credit mortgage loans offered to you by our partners are usually offered at some of the lowest rates available. Federal Mortgage Services is a privately held company that was established with the specific goal of helping consumers get connected to a quality home loan provider for the mortgage loan they need for the home of their dreams. So get your FREE no obligation home loan quote today! You could be settling down in the home of your dreams tomorrow!

Commonly Asked Questions

Does it cost money for me to request a home mortgage loan quote with Federal Mortgage Services?
No, it costs you absolutely nothing for you to request a home mortgage loan quote with Federal Mortgage Services.

Do I have a good chance of finding a partner for a mortgage loan using FederalMortageServices.com?
Absolutely! Here at Federal Mortgage Services we have a national network of lenders who are all about helping you get a home mortgage loan.

What is a mortgage?
A mortgage, also known as a home loan, is a legal contract between a lender and a borrower that is made in order to secure property. With home mortgage loans, the property itself is used as collateral in order to secure the loan. In the event that a borrower fails to pay the prearranged home loan payments, the lender can take possession of the property.

How are mortgage interest rates determined?
Mortgage interest rates are influenced by the financial markets and often change on a daily basis. Sometimes, they can even change multiple times throughout a day. The changes to home mortgage interest rates are based on a number of different economic indicators in the financial markets.

What is a mortgage rate lock?
A mortgage rate lock is a “feature” offered by home mortgage lenders that allows you the opportunity to “lock in” your mortgage interest rate. A rate lock assures you that the rate in effect on the specific date you submit your loan application, during loan processing, or at the time of final approval… will be the rate on your mortgage loan when funded. Note, however, that rate locks typically expire after a specified period of time.

What is an FHA loan?
FHA loans are mortgages that are insured by the Federal Housing Administration. Generally, FHA mortgage loans assist first-time home-buyers in purchasing a home.

What is a Fixed Rate Mortgage?
Fixed Rate mortgage loans have an interest rate that remains the same throughout the term of the loan. The interest rate does not “adjust” or “float” over the loan term.

What is an Adjustable Rate Mortgage?
Adjustable Rate mortgages, also known as “tracker mortgages” or “variable rate mortgages,” are mortgage loans with interest rates that periodically adjust based on an outside index. Generally, the interest rate on and adjustable rate mortgage “adjusts” up or down once or twice a year.

Is Federal Mortgage Services a lender?
No, Federal Mortgage Services is not a lending company… we’re better! We are also not affiliated with the Federal Government. Federal Mortgage Services is a privately held company that helps you connect with mortgage lenders who want to help you get the loan you need for the home of your dreams! We have a nationwide network of lenders who can help consumers with all types of credit situations. So if you are looking for a mortgage loan for a new home, or simply looking to refinance your current mortgage, you’ve come to the right place! Here at FederalMortgageServices.com we can help you find some of the best home mortgage loan rates around! All it takes is a couple minutes to fill out our simple home loan quote request form.

Resource Center


Mortgage Glossary
We explain the terms and lingo you may come across when purchasing and financing a home.

To reschedule payment options on an existing mortgage or replacing that mortgage with a new one.

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Mortgage Blog

Stay up to date on everything you need to know about home financing and mortgage refi. Visit our blog today!

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Do Your Homework and Avoid Mortgage Traps
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Online Mortgage Loan Quotes
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Home Mortgage Loans for First-Time Buyers
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Home Mortgage Loans
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Excellent Mortgage Tools

Mortgage Calculator

Purchasing a home is typically the largest purchase you will make in your lifetime. Calculating what your monthly home loan payment will be is a key component of the home-buying process. Know just how much you can afford to spend on a home mortgage loan! Our simple mortgage loan calculator will show you how much your monthly payment will be based off the numbers that you input.

Home Mortgage Refinancing

Here at Federal Mortgage Services, we have a network of mortgage loan lenders that may be able to help you refinance your home mortgage loan. With the help of home mortgage refinancing, and Federal Mortgage Services, you may be able to lower your monthly home loan payment, reduce the interest rate on your home mortgage, pay off your home loan sooner, and/or convert your home mortgage loan to a fixed rate! So don't be hesitant to fill out our refinance quote form. Click below to visit our home mortgage refinance page.

HUD Can Help You!

The Government's Department of Housing and Urban Development (HUD) web site offers a wealth of information for consumers who are looking to buy a home and seeking to get a mortgage. We encourage you to check out the HUD web site and see all the resources it has to offer to help you in your home buying process...

Featured Articles

The Featured Articles section of Federal Mortgage Services is dedicated to educating you about home buying, general home mortgage loans, and mortgage refinancing. If you are looking to buy a home, refinance a home loan, or simply find financing for a home... our articles and information may be able to help you through the processes! At FederalMortgageServices.com, we are dedicated to helping our users find the mortgage financing or home loan refinancing they are looking for. We are a consumer connection company that is all about helping you get great mortgage quote options from our national network of lenders and brokers.

Can You Afford a Home Loan?

Posted 1/5/2012

You should only buy a home when you can afford it – which is a painfully obvious statement. But, when can you afford a home? Does that mean you should only buy home when you can afford to pay the entire cost with one big sack of money? That's hardly realistic when hundreds of thousands of dollars are involved which is why there's an entire industry devoted to lending money to people who don't, generally, walk around with gigantic sacks of money.

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Deferring a Mortgage Payment

Posted 12/26/2011

In a down economy, it's possible that you'll find yourself struggling to make monthly mortgage payments. Your lender might suggest to you that skipping a couple of payments would help get you back on financial track. It may sound odd that your lender is encouraging delinquency, but what it's actually doing is allowing you to defer a payment or two without negatively impacting your credit.

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Don't Blow Your Mortgage Loan Before it Closes

Posted 11/28/2011

With a home loan there's a lot of stress, primarily from knowing that you must have the financial stability to qualify for the mortgage loan and the ability to make your monthly payments on time and in full. What you might not think about are the things you wouldn't normally consider if you're on financially solid ground.

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A Home Loan is Possible with Bad Credit

Posted 11/28/2011

The housing crisis in the U.S. today is more of a mortgage loan crisis as home loans were offered over the past 15 years to borrowers who would've been classified as high risk. The result was a massive increase in the number of people defaulting on their home loans. At the heart of this economic debacle was the federal government creating an artificial mortgage funding market through the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association, better known as Freddie Mac and Fannie Mae, respectively.

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Bad Credit Mortgage Refinance

Posted 10/16/2011

Bad credit mortgage refinancing gives individuals with a poor financial background the opportunity to rework their mortgage and snag a lower interest rate. Just because you have experienced financial circumstances that have damaged your credit history in the past, doesn’t mean there aren’t lenders out there willing to work with you. There are many lenders who specialize in refinancing packages specifically tailored for individuals with low credit ratings.

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Search Articles by Category

Watch this section for recent news and information on home mortgages, mortgage refinancing, and other mortgage related news. We will be providing links and information that may be able to assist you in the home loan, home buying, and home mortgage refinancing processes.

 What to Remember About Mortgages

Posted 7/23/2013

Life can be tricky; so don’t get bogged down in the details of it all. If you are looking to buy a home, good for you, and I hope everything works out in your favor. The best way to make sure everything goes your way, is to get prepared and go into the whole process as a near professional. What you need to remember about mortgages is that it is all about the information you have and how to use it.

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 Tips for Comparing Mortgages

Posted 7/23/2013

When it comes to agreeing to a contract, any kind of contract, but especially a mortgage, you want to be sure you are getting what you think you are. Different types of mortgages get you different things, even though five different mortgages can all be for purchasing a house, the differences between how that transaction works, can be extensive. Think about it like this, just because you have 4 books in a series that all do the same basic thing doesn’t mean they are all provide the exact same information to the reader. Each mortgage from each lender is different, so here are a few tips to pick the right one for you, no matter who you are financing with.

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 Home Mortgage Refinancing

Posted 7/23/2013

There are many reasons why you should seek to refinance a home mortgage, all of which involve saving money. The concept is simple: Your home is, most likely, the biggest investment in your life and any financial change involving your home is going to will add up to thousands of dollars. Why not do everything you can to save that kind of money? A home mortgage refinance is a path many homeowners have taken to put a little extra money back into their bank accounts.

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 Home Mortgage Refinancing and Fannie Mae

Posted 7/23/2013

The Great Depression changed the banking industry on many levels. The most sweeping of changes came in the home mortgage industry where federal regulations were fairly weak, local laws favored the lender, and there were few standards for conducting mortgage loans in a uniform matter. With nearly 2000 years of history behind it, the mortgage loan business was, to say the least, a mess. Prior to the great depression, forget about refinancing a mortgage that was becoming too much to handle. If you couldn’t keep up with your mortgage payments, you’d simply join the ranks of the dispossessed.

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 How Mortgages Work

Posted 7/23/2013

Buying a home is a part of the any American’s ideal circumstances. The American dream is based on being able to afford a place that is your own. Being able to buy a home was not always an option for the majority of Americans. Before the 1940’s, not even half of Americans owned their home. Without the enormous amount of money it costs to pay for a home out right, people had no other option. In the late 30’s, the bank loan for purchasing a home came into existence, also known as the mortgage.

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