Our innovative programs allow you to lower your interest rate and monthly house payment without having to pay any closing costs. We can typically eliminate discount points, origination fees, surveys and title fees. We also transfer your tax & insurance escrow account so you are not required to pay escrow money at closing. This way every dollar you save on your monthly house payment, is actually a dollar in your pocket.
Since 1985, James B. Nutter & Company has successfully closed over 100,000 No Cost Loans. As interest rates decline, there are no limits as to how many times you can take advantage of our No Cost programs. In fact, thousands of our borrowers have refinanced through these programs more than once. We want to ensure that the best rate is under your roof.
Most mortgage companies quote low rates, but charge high fees and closing costs because they know most people shop for the lowest rate. But, their customers end up paying MUCH more due to inflated points, “junk” fees, and closing costs.
Since we started in 1951, our commitment has been to give you the best mortgage possible, without adding in “junk” fees. Most mortgage lenders charge hundreds, and sometimes thousands of dollars for services that cost them little or nothing. We don’t charge administrative fees or broker fees to pad our pockets. This philosophy distinguishes us from our competitors. That’s why our customers come to us.