You may ask yourself, "what is different about working with a mortgage broker versis a local bank when I am looking to  purchase a house or refinance my current house?"

Everyone has their opinion about this matter from the individual who has had great service with their local mortgage broker, to someone who has had family with the same bank for three generations. 

The difference with Integrity Mortgage is in these four areas.

  1.  Flexibility to work with many wholesale providors.

  2.  Our low overhead and small cosat structure give you a competitive loan. We pass on our savings to you!

  3.  Lower interest rates. We find the best market rates from our many sources while a bank typically has one wholesale rate.


   4. Customer service. We will work to get the loan done for you on time while the banker is leaving the office often before 5pm! 

The Good and Bad of Mortgages

Integrity Mortgage Inc was founded in 2000 after seeing that there was a need for a good company that would do what it promised, with customer service and competitive rates. We built our business model on refinancing customer's mortgages and helping individuals and families achieve the American dream of home ownership.
 
As the interest rates lowered after 9/11 and crazy loan products came onto the market we did not jump on the option ARM mortgage bandwagon that so many lenders were pushing their customers into. We felt that the product was not a good option for our customers as it was a varable rate without reasonable controls on how the interest rate would adjust. It offered the customer the option to make less than the interest payment while adding the remainder of the monthly interest to the principle of the loan! The customers did not understand the product and neither did the loan officers! The only thing anybody understood was they could afford a monthly payment at a 1% interest rate and they would flip the house with massive profits. What no body could predict is when then the game of musical house chairs would end and someone would get hurt.

The game of flipping properties and building houses for unreasonable profits stopped in 2006.  The pain started then and it is continuing today as many people found out their dreams of retiring on house wealth evaporated with the housing market. Countrywide, Greenpoint, Wachovia Bank and Washington Mutual are all failed institutions that were caught up in originating loans that promised insane profits to the banks, but in the end were designed to fail. Their failure was a steep price to pay as many mortgage brokers and banks participated in the profits of these loans. Now the country is littered with government bailouts and failed institutions that are a testimate of an era of big Wall Street greed. Integrity Mortgage Inc does not morally agree with how the failed banks were bailed out with tax payer money and calls for those who were responsible for putting these loan programs together to be held accountable. 

Our Promise to You

Through all of this Integrity Mortgage Inc and Erick Fleischmann continue helping individuals better their financial picture and realize their dream of home ownership. I strive to give you the best of customer service and work with wholesale lending companies that will approve your loan with a good interest rate. We have the flexibility to work with the broad financial backing of big banks yet provide you with that home town family business experience.
 

Call or use our online tools today!

406-375-8733

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