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At Micott Mortgages you enjoy the best of both worlds, a network of lenders who take the time to work with you on an individual basis, plus the very best rates possible. Our lenders work hard to get the right loan for you when you need it, every time, and you win!

Home :: Loan Programs

• WE DO NOT RECOMMEND THESE PROGRAMS. THEY ALMOST ALWAYS HARM THE HOMEOWNER BY LOCKING THEM INTO THEIR HOME. GENERALLY HOMEOWNERS WHO TAKE OUT 125% LOANS CANNOT SELL THEIR HOME FOR A PERIOD OF 5 TO 10 YEARS WITHOUT BRINGING SUBSTANTIAL AMOUNTS OF MONEY TO CLOSING. FURTHERMORE, THE INTEREST RATES ON THESE PROGRAMS ARE TYPICALLY THE SAME AS CREDIT CARD RATES. THE BORROWER GETS ALL THE DISADVANTAGES OF A CREDIT CARD AND FEW OF THE ADVANTAGES OF A HOME EQUITY LOAN