Amortization Term
The length of time required to amortize, or repay, the mortgage loan, expressed as a number of months.
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Helpful Terms
- Home Affordable Refinance Program – (HARP)
Home Affordable Refinance is part of the Making Home Affordable Program. Fannie Mae is offering refinances of
existing Fannie Mae loans that are serviced by lenders and banks. The goal is to provide access to low-cost refinancing for responsible homeowners suffering from falling home prices. A HARP program will enable borrowers to reduce their monthly principal and interest payment or moving them from a risky loan structure such as interest-only or short-term adjustable rate mortgage to a more stable product.
Testimonials
We thank you with gratitude for your skilled professional services in securing our new mortgage for our home.
Your services will save us a lot of money and give us peace of mind in the years ahead.
You are a superb credit to your profession.
S. W.
It was my pleasure getting to know you better today. I would also like to tell you that I have had a lot of contact with mortgage people over the years. As a Realtor for almost a decade in both New York and Canada. I have purchased five homes. One in New York, three in Canada and one in Pennsylvania. I also looked into becoming a mortgage broker while I was practicing real estate, so I talked to a number of mortgage brokers about the business. I just wanted to let you know that you are the most impressive person I have met in the mortgage industry in well over a decade in two countries. I have never met someone with your comprehensive knowledge of the entire industry, from product knowledge, to sales, to underwriting, to back office and paperwork. It is also obvious to me that your clients’ needs are your needs, which is very rare to find. Whenever I come across someone (including myself) who needs to mortgage or refinance in Pennsylvania you are the person I will refer them to.
Richard Stoltz- Bristol, Pa 12/17/2013
Thank you so much for all of your help. We really appreciate all of your hard work. Take care and thanks again.
D. B.
Annamarie,
Thank you so much for everything you did for us during the process of purchasing our dream home. We were so frustrated with the experience we had with the bank who had provided our first mortgage, I am thankful we made the decision to work with for this purchase. We were unsure how to proceed with the loan application process for our specific situation, and you were to guide us through the best scenario to reach the outcome we were looking for. There were so many ups & downs during the purchasing process, and you were always there to guide us through each step. I appreciate how quickly you responded to our e-mails & calls at different times of the day. At settlement, you made sure we understood everything and stayed with us until the process was completed. The experience we received was invaluable, and I cannot imagine how we would have made it through without your help & expertise. I highly recommend Financial Access to anyone who is looking for professional & personalized experience.Thank you again,
S.R, Phoenixville, 2013
Annamarie, Thank you so much for helping us to get our dream house! We can’t tell you how much we appreciate all the hard work you did! We’ll have to make plans for you to come see our new home.
Brighid and Kieran M. 10/07
Thank you for the thorough and professional work you did to ensure a smooth settlement as I just refinanced my home. I was so pleased with your company and your work five years ago when I purchased my home, I knew I wanted to work with you again. In this fast paced world, it is refreshing to work with someone who takes pride in taking care of a client, assuring that everything will be in order. You took the time to explain everything and answer all my questions as well as help me with any surprises that came up. Thank you for your personal attention, for making it so easy and for going the distance with me.
Jeannie C. 2010
You know you can trust a company when your own financial planner uses and suggests it to their own clients! Annamarie Scarseletti of Financial Access, LLC has made the art of re-mortgaging easier than I could ever believe. During the process, I always felt like I was Ms. Scarseletti’s only client, as she constantly kept me informed, always offered sound and fair advice, even emotional support (Thank you for the holiday card last year!). Working with this company has given me a sense of empowerment, believing that there is a company out there who really cares about their customers’ interests, and is willing to put in 110% of their energies to help someone like me own and improve a home on a single income. I have referred Annamarie Scarseletti of Financial Access, LLC to close friends and family, and will most definitely use this company’s services in the future.
E.H. Fleetwood, PA
Annamarie Scarselletti of Financial Access, LLC was so patient and kind during our home refinancing in the Spring of 2013. As an easily overwhelmed individual, I was comforted as Annamarie held me together, guided me through sorting paperwork and went the extra mile to meet with us on numerous occasions to sign paperwork. Her obvious dedication to her clients is what brought be back to work with Annamarie after she helped me with my first home mortgage and two subsequent refinances over the past decade. Annamarie is the bees knees!
Jeannie C. 2010
Thank you so much for everything you did for us during the process of purchasing our dream home. We were so frustrated with the experience we had with the bank who had provided our first mortgage, I am thankful we made the decision to work with for this purchase. We were unsure how to proceed with the loan application process for our specific situation, and you were to guide us through the best scenario to reach the outcome we were looking for. There were so many ups & downs during the purchasing process, and you were always there to guide us through each step. I appreciate how quickly you responded to our e-mails & calls at different times of the day. At settlement, you made sure we understood everything and stayed with us until the process was completed. The experience we received was invaluable, and I cannot imagine how we would have made it through without your help & expertise. I highly recommend Financial Access to anyone who is looking for professional & personalized experience.
S.R, Phoenixville – 2013
Annamarie, Thank you so much for helping us to get our dream house! We can’t tell you how much we appreciate all the hard work you did! We’ll have to make plans for you to come see our new home.
Best Wishes to you and your family!
Brighid and Kieran M. 10/07
Licensed by Pennsylvania Department of Banking and Securities Annamarie Rita Scarselletti- Mortgage Originator NMLS #133627 Company NMLS #111331 Website developed by Assembly Image Management, Inc.
