How it Works?

The Millennium Mortgage Benefit Program

A Better Way to Purchase Your Mortgage

The Millennium Mortgage Benefits Program is a specially developed plan that offers you the best rates, fees, loan products and expert guidance available.  We provide a unique solution to the problems you encounter with purchasing a mortgage.

Problem #1 - Time-Consuming Process
When consumers are ready to shop for a mortgage, they generally respond to retail lenders that are advertising low rates at the moment.  Some may visit industry web sites and compare lenders that claim the lowest mortgage rates.  Either way, consumers must contact each lender directly to investigate the lender’s rates, products, fees, terms and conditions.  Each time the consumer must fill out a loan application and a credit report must be run for every loan application.  The process of contacting and exchanging all of this information with each lender is extremely time-consuming.

Problem #2 - Difficult Product Comparisons
Comparing each lender’s terms and conditions simultaneously can be very difficult.  Most consumers find it too difficult to compare more than 3 or 4 lenders’ products.  With hundreds of lenders available, the odds of choosing the best product aren’t very good.

Interest rates can change daily.  If consumers don’t get quotes back from each lender on the same day, they still won’t know which lender offers the best mortgage.

Millennium’s Solution
We know your time is valuable, and that you don’t want to waste it chasing down unfamiliar lenders that you saw in your local ads.  You want and deserve the best interest rates and expert loan guidance in the marketplace.  You expect a wide range of loan product options and you want it at your convenience.

Millennium Mortgage Benefit Program: A Better Way to Buy
Millennium is a full-service mortgage bank that has access to hundreds of products and provides you with wholesale pricing, discounted fees, superior product choices, convenience, expertise and more.

Save Time: We do all the legwork for you.  You provide us with your information only once and we will choose the best product to fit your individual situation.  We will tailor the loan to meet your short-term and long-term plans.

Special Rates: Because we deal directly with other wholesale lenders, we can offer you special low rates not available to you through retail lenders.

Discounted Fees:  We’ve pre-negotiated with third parties like title; escrow and appraisal companies to proved you discounts on closing costs.

Experienced and Knowledgeable Loan Officers:  You can count on our credentialed loan officers to find you the most competitive financing to maximize your buying power.

Quick, Hassle-free Loan Comparisons:  Our loan officers use Automated Underwriting software, which quickly compares all products in a real-time setting.

Speedy Loan Process:  We do all of our underwriting and processing in-house, which provides you with the quickest process possible.

Best Service:  We will conform to the way you like to do business, through phone, Internet or in-person.  You can conduct the whole process in the comfort of your own home or office.  Loan documents will be delivered directly to you.

As you can see, our unique Mortgage Benefit Program is simply a better way to purchase your mortgage.