• What is the difference between FHA and Conventional Loan for my mortgage?

    Conventional loans are advantageous when you make a 20% or more down payment for your home as you need not pay mortgage insurance to get your loan. FHA loans, regardless of down payment, require both upfront premium and monthly premium.

  • What is PMI?

    When your down payment is less than 20%, you usually have to pay for Mortgage Insurance, (PMI). This protects the lender in case you don't make your house payments, they repossess your house, and they have to sell it for less than the amount left on the loan.

  • Can I qualify for an FHA loan if I am in the armed forces?

    The Service Members Civil Relief Act allows active military people to qualify for an interest rate reduction to a maximum of six percent per year during active duty service. This applies both to commercial FHA mortgages. You must actively request this reduced rate and you may also be required to renew your request at periodic intervals as stated in the Civil Relief Act.

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  • What is the difference between ARM and Fixed Term Loans?

    With a fixed rate mortgage, the interest rate is set when you take out the loan and it will not change. With an adjustable rate mortgage (ARM), the interest rate may go up or down. Many ARMs will start at a lower interest rate than fixed rate mortgages. This initial rate may stay the same for months or years.

  • Can I refinance multiple properties under a single mortgage?

    The rules have changed though for investment property. Talk to use for up-to-date information.

  • What is a Reverse Mortgage?

    A reverse mortgage or home equity conversion mortgage (HECM) is a type of home loan for older homeowners (62 years or older) that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner's insurance.

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  • Consumer Complaints

    It is our goal to provide you with the best service and loans in the industry. We understand, however, that sometimes problems may arise that need an additional level of assistance. If you are unhappy with your service or have a complaint, we are here to assist you. Any consumer complaints or disputes should be submitted to the Customer Service Center for immediate assistance: customerservice@geqfinance.com or call (858) 768-6128

    A representative from the Customer Service Center will assist as a liaison between the consumer and the company to help resolve the complaint.

  • Best Loan Guarantee Terms

    Lender approval must be a firm approval with commitment to lend. Lender approval must not be given prior to accurate verification of all qualifying information and documentation including but not limited to income, employment, mortgage balances, lien types and amounts, etc. Lender approval must include stipulations required to fund. All terms must be comparable including but not limited to loan type, term, interest rate, APR, payoffs, lender/broker fees, etc. Excluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction.

  • No-Risk Appraisal Guarantee Terms

    Reimbursement of appraisal payment will not be honored if the company finds that there is insufficient equity in the property to satisfy approvable loan requirements of if information obtained at time of application is inaccurate or cannot be verified. Excluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction.

  • Free Refinance Guarantee Terms

    Customer of Global Equity Finance, Inc. must supply Free Refinance Certificate at time of new refinance. Applies only to rate and term refinances. Offer not available for cash-out and/or debt consolidation loans. Must qualify for a loan program offered by Global Equity Finance, Inc. at time of request. Excluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction. Guarantee only eligible after 6 months have passed from initial loan transaction completed. Guarantee does not include 3rd party costs and fees such as title, escrow, and state fees.

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