What is a Government Backed Loan?
The term "Government Loan", as it is used by the general public, refers to loans insured by one of several agencies of the United States Federal Government. Because the United States Federal Government only insures loans against default, the proper term for these mortgages is "Government-Backed Loans". The United States Federal Government insures loans meeting certain criteria against default as a measure to promote affordable home ownership in America. Although the Federal Government itself does not loan money directly to consumers, its guarantee against default makes the loans it insures less risky for commercial banks to make, and results in a lower interest rate and looser underwriting criteria on such loans. A consumer wishing to obtain a Government-Backed Loan must apply to a commercial bank for financing under FHA, HUD, or VA guidelines.

How do I get a Government Backed Loan?
Consumers wishing to access the favorable interest rates available on Government-Backed loans must contact a commercial lender offering loans conforming to FHA, HUD, or VA guidelines. Our Government Loan Desk is an agent for LFMG, Inc., a licensed direct lender, which assists consumers in obtaining the benefits offered by Government-Backed loans. For more information on Government-Backed loans, and to see if you qualify, please contact Our Government Loan Desk by entering your unique Case Number or via our toll-free Government Loan Hotline at 1-866-767-9934.

What are the benefits of a Government Backed Loan?
Government-Backed Loans made according to FHA, HUD, or VA criteria are, in many ways, superior to loans offered under conventional commercial lending criteria. By insuring certain loans against default, Government Agencies absorb some of the risk borne by commercial lenders, resulting in lower pricing and easier acceptance criteria. All consumers seeking mortgage financing should evaluate the possibility of qualifying for a Government-Backed Loan.

Current FHA/HUD/VA Loan Benefits Include:

• 0 - 3% Down Payment
• No Credit Score Requirements
• Lower Monthly Mortgage Insurance
• Regulated Mortgage Closing Costs
• Previous Foreclosures OK
• Previous Bankruptcies OK
• More Flexible Income/Expense Ratios
• 1% Origination Fee Limit
• Up to 6% Seller Credit Allowed
  

For a more detailed explanation of the benefits of Government-Backed Loans, and the criteria required to obtain them, please contact Our Government Loan Desk by entering your unique Case Number or via our toll-free Government Loan Hotline at 1-866-767-9934.

What is Our Government Loan Desk?
Because the Federal Government acts primarily as an insurer, not as a direct lender, consumers wishing to access the benefits of Government-Backed loans must obtain their loan under from a commercial lender operating according to FHA, HUD, or VA program parameters. You should not contact the Government directly, as they do not lend money directly to consumers. Our Government Loan Desk is an agent of Liberty Financial Mortgage Group, Inc. (LFMGI), a licensed direct lender, which assists consumers in obtaining the benefits offered by Government-Backed loans. For more information on Government-Backed loans, and to see if you qualify, please contact Our Government Loan Desk by entering your unique Case Number or via our toll-free Government Loan Hotline at 1-866-767-9934.

Can the Loan Desk help me if I have had a recent Foreclosure?
Yes. Our Government Loan Desk specializes in providing Home Mortgage Loans to homeowners who have had one or more Home Mortgage Foreclosures in his or her past. We believe in providing help to good people who have had bad things happen to them. Helping you purchase a home or refinance an existing home mortgage and re-establish your financial security is a top priority at Our Government Loan Desk.

Can you help me if I have had a recent Bankruptcy?
Yes. Our Government Loan Desk specializes in providing Home Mortgage Loans to homeowners who have had one or more Bankruptcies in his or her past. Whether you filed a Chapter 7 Bankruptcy, or a Chapter 13 Bankruptcy, our licensed Home Mortgage Analysts will help you find the right Home Mortgage Loan to fit your specific financial needs. We believe in providing help to good people who have had bad things happen to them. Helping you purchase a home and re-establish your financial security is a top priority at Our Government Loan Desk.

Can you help me if I have Bad Credit, Poor Credit, or Marginal Credit?
Yes. Our Government Loan Desk specializes in providing Home Mortgage Loans to homeowners with bad credit, poor credit, or marginal credit. Regardless of what has caused your current credit problems, Our Government Loan Desk will help you find the right Home Mortgage Loan to help you achieve the American Dream of Home Ownership and Financial Security. Our licensed Home Mortgage Analysts will explain your mortgage options, and select the right Home Mortgage Loan to fit your individual needs.

Why did I receive a Case Letter from Our Government Loan Desk in my mail?
Our Government Loan Desk helps consumers by reaching out and explaining their Home Mortgage Loan options. We evaluate information collected from government and public records to identify consumers in need of Home Mortgage Loans and Refinancing, and contact those consumers to explain their rights and financial options. If you have received one of our Individual Case Letters, please click here to learn more about our Comparative Market Analysis, and how we may help you with your Home Mortgage Loan. If you have any questions, please contact us at 1-866-767-9934, with absolutely no obligation. We seek to help you acquire the Home Mortgage Loan which is right for you, with low costs, fast closings, and no hassles.

If you prefer to opt-out of our direct contact approach, please contact our compliance department at 1-866-767-9934. We believe in responsible marketing, and will be happy to not send you our informational Home Mortgage Loan offers.

Can you save me money on my current or future Home Mortgage Loan?
As with any lender, we cannot guarantee loan performance without knowing your specific financial situation. We have helped thousands of consumers save money on their Home Mortgage Loans, so we suggest you contact us for your free and confidential Customized Mortgage Analysis.

How does Our Government Loan Desk create affordable housing opportunities?
Many Americans still are being overlooked, underserved, and overcharged in their search for affordable home ownership and rental housing options. Our Government Loan Desk is dedicated to helping our partners tear down barriers, lower costs, and increase the opportunities for homeownership and affordable rental housing options for low to moderate income individuals and families.

What can Our Government Loan Desk do to help families behind in their payments?
Homeowners who are having difficulties making their mortgage payments should immediately contact Our Government Loan Desk to discuss their options.

Our Government Loan Desk works to avoid foreclosure whenever possible by offering borrowers who get behind in their mortgage payments various alternatives, including temporary forbearance, loan modification and pre-foreclosure sales. Our Risk Profiler technology allows lenders to identify, as early as possible, loans that are in danger of default, allowing lenders to intervene and take appropriate steps to help the homeowner correct the deficiency.