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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<meta content="text/html; charset=utf-8" http-equiv="Content-Type" />
<link href="images/favicon.ico" rel="shortcut icon" />
<title>Capital Assets Utah Valley / FAQs</title>
<link href="screenstyle.css" rel="stylesheet" type="text/css" />
<!-- <script
type="text/javascript"
src="http://my-mobilewebamerica.com//mobilizejs.php?ver=0.4"
></script> -->
<script type="text/javascript">
SA.redirection_mobile({
mobile_url: "m.capitalassetsutahvalley.powered.mobi",
});
</script>
</head>
<body>
<div class="container">
<div class="left"></div>
<div class="middle">
<div class="topleft">
<a href="index.html">
<img align="left" alt="Capital Assets home logo link" border="0" height="158" width="207" />
<!-- src="images/topleftbgrnd.jpg"
-->
</a>
</div>
<div class="topright"></div>
<div>
<ul class="navbar">
<li><a class="nav" href="index.html">Home (UC)</a></li>
<li><a class="nav" href="about.html">About Us</a></li>
<li><a class="nav" href="apply.html">Apply Now</a></li>
<li>
<a class="nav" href="calculator.html">Calculator</a>
</li>
<li>
<a class="nav" href="monitor.html">Market Monitor</a>
</li>
<li>
<a class="nav" href="faq.html">FAQ's (UC)</a>
</li>
<li>
<a class="nav" href="feedback.html">Feedback</a>
</li>
<li>
<a class="nav" href="faq_span.html">English/Español</a>
</li>
</ul>
</div>
<div class="gradbar"></div>
<div class="midleft">
<img alt="Capital Assets Ad" border="0" height="284" src="images/CapAssetsAd.jpg" width="164" />
</div>
<div class="midmain">
<h4>FAQs:</h4>
<ul class="faq">
<li>
<button class="question" id="question1" onclick="displayAnswer(event)">What are your best rates?</button>
</li>
<li>
<button class="question" id="question2" onclick="displayAnswer(event)">
Will you tellus when the rates get to a certain point?
</button>
</li>
<li>
<button class="question" id="question3" onclick="displayAnswer(event)">
What are average closing costs?
</button>
</li>
<li>
<button class="question" id="question4" onclick="displayAnswer(event)">What is a no-cost loan?</button>
</li>
<li>
<button class="question" id="question5" onclick="displayAnswer(event)">Can you beat my bank?</button>
</li>
<li>
<button class="question" id="question6" onclick="displayAnswer(event)">
How long does it take to get a loan?
</button>
</li>
<li>
<button class="question" id="question7" onclick="displayAnswer(event)">
What paperwork so you need to get a loan?
</button>
</li>
<li>
<button class="question" id="question8" onclick="displayAnswer(event)">
Why is my credit score different depending on who checks it?
</button>
</li>
</ul>
<p class="answers" id="answer1">
<span class="answerTitle">What are your best rates?</span>
<br />
Our rates depend on you. They can be higher or lower depending on now much you want to pay for that rate. We
are a mortgage broker and have access to rates and programs with multiple lenders. We will obtain the BEST
rate available on the market for your situation, Email us for a quote, or see Market Monitor for more
information.
</p>
<p class="answers" id="answer2">
<span class="answerTitle">Will you tell us when the rate gets to a certain point?</span>
<br />
Yes we will! We are monitoring the rates for a number of clients (updated daily). When the rate hits their
'magic number', we can then lock and contact the client to discuss options. This service is free, and
although we cant influence rates, we'll be ready when they are - for YOU. Let us know what rate you're
looking for! Add me to your rate watch list.
</p>
<p class="answers" id="answer3">
<span class="answerTitle">What are average closing costs?</span>
<br />
Average closing costs total between 2%-3% of a loan amount. With smaller loans, the percentage will be
higher, and large loans may be less than 2%. Capital Assets' fee is normally the standard 1% origination.
Total closing costs will include title, lender, appraiser, prepaids, and escrow amounts. We will be happy to
get you a good faith estimate of costs - anytime!
</p>
<p class="answers" id="answer4">
<span class="answerTitle">What is a no-cost loan?</span>
<br />
A no-cost loan is not really a loan without costs. No one will work for free, including us. Otherwise, we
wouldn't be in business! No-cost loans are loans with higher rates. If the market rate were 6% on a given
day, a no-cost loan might be 6.5%. No-cost loans should only be done in certain cases - let's review your
situation.
</p>
<p class="answers" id="answer5">
<span class="answerTitle">Can you beat my bank?</span>
<br />
It depends. Usually, on small mortgages or lines of credit, banks can do better. With a normal purchase or
refinance, we are faster, we have better programs, and we can match or beat the rates given by the bank. The
main difference is that we work for you, and we specialize in mortgages - unlike banks or credit unions,
which are depository institutions and NOT mortgage companies.
</p>
<p class="answers" id="answer6">
<span class="answerTitle">How long does it take to get a loan?</span>
<br />
Most loans are processed within approximately two weeks. Our fastest turnaround is usually 2-5 days (for a
purchase) - from meeting the client to funding the loan. If the loan is a refinance, We have to wait the
rescission period, which stretches the process a bit. We will push the loan as fast as you want us to. If
you need help with credit issues, or some additional preparation before the loan is ready to go, we will
take as much time as needed to prepare you for financing on the best possible terms.
</p>
<p class="answers" id="answer7">
<span class="answerTitle">What paperwork do you need to get a loan?</span>
<br />
Please see our Apply Now page for general documents needed. Sometimes we can do without tax returns or
paystubs, but more is usually better than less. Depending on what kind of loan you need, you may not have to
provide income or asset documentation. Most lenders, though, will want to verify in some way that you will
be likely to pay them back! That's reasonable, isnt It?
</p>
<p class="answers" id="answer8">
<span class="answerTitle">Why is my credit score different depending on who checks it?</span>
<br />
Credit scores are based on many factors. The main reason for the variation is that a mortgage inquiry (and
resulting score) will grade a person on a completely different scale than a credit card inquiry, insurance
inquiry, personal inquiry, etc. They ALL grade and score your credit based on their own unique criteria. So,
any score but a mongage score is not going to make much difference in qualitying for a mortgage.
</p>
</div>
<div class="midright">
<div class="thankYouSlides">
Thank you so much for pulling strings and jumping through hoops for us. We appreciate your friendship and we
are happy to call you a friend. Thanks again, your friends
<br />
<p class="thankYouAuthor">RBN Pleasant Grove, UT</p>
</div>
<div class="thankYouSlides">
As usual you performed admirably; we appreciate your hard work and putting up with us. We wanted to thank
you and in the future we will use you and tell friends and family.
<br />
<p class="thankYouAuthor">
Thanks,
<br />
RVB Richmond, UT
</p>
</div>
<div class="thankYouSlides">
I want to send this to thank you on our behalf in helping us refinance our home mortgage. You were very
kind, and courteous, and went out of your way to do paper work with unpleasant people, and were consistent
on letting us know how things were going. Now we will be able to save on interest as well as stay in our
home.
<br />
<p class="thankYouAuthor">
Sincerely,
<br />
CPN Wallsburg, UT
</p>
</div>
<div class="thankYouSlides">
Thank you for all your time and hard work it took to get us our house loan. It truly was a miracle for our
family, whem we thought no one could help us! Thank you for those gift cards. They were greatly appreciated!
I hope you have many blessing and spread your kindness and keep helping families in need for many years to
come!
<br />
<p class="thankYouAuthor">
Best wishes,
<br />
DNL Orem, UT
</p>
</div>
<div class="thankYouSlides">
Thanks for all you did to make us homeowners again. Rest assures, I will recommen your services to anyone I
know that needs help. Again, thanks.
<br />
<p class="thankYouAuthor">
Sincerely,
<br />
LKF Orem, UT
</p>
</div>
<div class="thankYouSlides">
Thank you so much for your help with this whole mortgage situation. We know that you have really gone far
beyond your job description, and for far less money than you should have to. We look forward to doing a
couple of firsts with you in March/April--maybe we can make it up to you then. Thanks again for everything
<br />
<p class="thankYouAuthor">CJJ Provo, UT</p>
</div>
<div class="thankYouSlides">
There just aren't enough words for me to adequately express my thanks to you. I hope that you can FEEL my
word and how grateful I am for what you have done. It is certainly much more than I expected. Not having a
house payment in December has been such a great blessing and helped me DO Christmas without going into debt.
<br />
<p class="thankYouAuthor">NONE</p>
</div>
<div class="thankYouSlides">
During this whole process you have been such a champion and expert for me. It is a very daunting process and
even though it was hard fo me, I knew it was what I need to do to get where I could pay off my house before
I retire and get a newer cat at the same time. It was nice to have someone working on the refinance/loan
process that I could trust and who was looking out for me. I will look back on this experience as a positive
one and am grateful for the opportunity to meet you.
<br />
<p class="thankYouAuthor">NONE</p>
</div>
<div class="thankYouSlides">
You also know my sister. We were talking a little while ago and I mentioned that I had gone through a
mortgage broker and was in the process of a refinance/ loan. When I told her I was working with Capital
Assets, she remembered you guys. What a small world we live in. She had such nice things to say about you
and your family and it was a reaffirmation too me that I HAD done the right thing and met the right
person!!!!
<br />
<p class="thankYouAuthor">NONE</p>
</div>
<div class="thankYouSlides">
Best wishes to you always. (P.S. Thank you so much for the appraisal report. It came the other day in the
mail.)
<br />
<p class="thankYouAuthor">SM SLC, UT</p>
</div>
<div class="thankYouSlides">
I also wnated to thank you for referring me to Capital Assets Utah Valley. He couldn't have been a more
caring and patient person to work with. He was always so reassuring and pleasant when I was trying to sort
things out financially and emotionally. It is obvious that he really knows his business. I would not
hesitate to refer anyone to him. He was so creative in trying various approaches. If one lender wasn't
willing to give an acceptable offer, he would go to another. I know he spent a lot of time negotiating to
help us.
<br />
<p class="thankYouAuthor">
Warm Regards,
<br />
ATD Lehi, UT
</p>
</div>
</div>
<div class="midbtm">
Capital Assets Utah Valley, Inc. | NMLS 3127
<br />
2696 North University Ave. Suite 236 Provo Utah, 84604
<br />
Tel 800-817-4767 • Fax 801.370.9880 • Copyright © 2017
</div>
</div>
<div class="right"></div>
</div>
</body>
</html>
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