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A Member of the GARDNER REALTORS Family of Services


One-Stop Shopping for Your Mortgage Loan

Our Commitment to You

When it comes to buying or refinancing a home, it's nice to know that someone is watching out for you. Whether you need advice on the size of a loan, are investigating the best way to finance a project, or are seeking the lowest interest rates, Movement Mortgage is there for you every step of the way.

A message from the President and the Chief Operating Officer of Movement Mortgage:


At Movement Mortgage we've earned a reputation for putting our customers first. That's why no matter how large or small a loan you're looking for, we'll be there to guide you and help you with all the details.

Movement Mortgage is a company of nearly 1,000 dedicated mortgage professionals focused on providing the most personalized and most streamlined mortgage experience in the industry. This dedication earned Movement the honor of being named 2012’s fastest growing mortgage bank in the country by Inc. Magazine. At Movement, it is important to us that we focus on building a company that is tailored to best serve any and all REALTOR communities across the United States.

The Secret to Our Success

Our operation staff sets a clear to close date 7 business days after an application is uploaded to our system. Currently, over 50% of our loans are cleared to close within 7 days of application. This allows Movement Mortgage to issue preliminary HUDs weeks before closing and regularly move closings up when requested by our Realtor® partners. Exceeding expectations is what we do!

Backwards processing

Movement fully underwrites every file at the beginning of the loan process, not at the end. This integral step provides our REALTORS and borrowers with a clear road map to closing. It takes a little more work on our end, but provides a huge benefit to our valued clients!

We completely restructured our entire operation. In most cases, our loans are completely processed by the time the appraisal comes in. The loan is then sent to closing early, and the instructions also go out early. This allows the title company to properly do its job because it doesn't have to deal with last minute surprises. All of these steps allows the Realtor®, buyer, and seller to move the closing date up if they want.

Choose a Loan

FHA 203K: I want to buy a house that needs some repairs.

The FHA 203k renovation loan program provides funds for both the purchase and renovation of a home packaged into one mortgage loan. Once the purchase of the home is closed, renovation funds are held in escrow to pay for pre-determined renovation work done by approved renovation contractors.

FHA LOAN: I don't have a lot of money for a down payment.

Movement Mortgage offers the Federal Housing Administration Loan (FHA) to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance or become homeowners.

  • 3.5% down payment required - Can be a gift; see your Movement Mortgage Loan Officer for details.
  • Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.

VA LOAN: I am active Military or a Veteran

Movement Mortgage is proud to offer those who have served and are currently serving the Veteran's Affairs (VA) loan. The VA loan is an excellent loan that assists our Nation's Veterans with obtaining homeownership.

  • Up to 100% financing available.
  • No monthly mortgage insurance.
  • Seller concessions up to 4% of the reasonable value of the property.
  • Credit scores as low as 620.Surviving spouse may be eligible, as determined by VA.
  • Must be a Veteran, Active Duty Military, or member of the Reserves

USDA LOAN: I want to live in a rural area.

Movement Mortgage assists borrowers in rural areas with the USDA or rural development loan program. The USDA loan provides low and moderate income borrowers with better affordable housing finance options with little or no down payment or out of pocket costs. The property must be located within a USDA designated area.

  • 100% financing available to qualified borrowers.
  • Seller can contribute up to 6% of the borrower's closing costs.
  • Flexible mortgage guidelines.
  • Income and property restrictions do apply.

BOND PROGRAM: I'm a first time home buyer.

Bond Program: Movement Mortgage is a proud supporter of the State mortgage programs that assist first time homebuyers with possible down payment and closing cost assistance.

  • Up to 100% financing available.
  • First time homebuyer restrictions do apply.
  • State specific program. See your Movement Mortgage Loan Officer for details.

ARMS: I want the lowest interest rate available.

ARMS: Movement Mortgage offers sophisticated mortgages to borrowers who may not expect to be in the home for a long period of time. The adjustable rate mortgage is fixed for a period of time and can adjust thereafter. Your Movement Mortgage Loan Officer will be glad to assist you in determining which mortgage program will best fit your needs. Since the interest rate may rise over time, it is not recommended for every borrower. Interest rates can be fixed for three, five, seven and ten years.

JUMBO LOAN: I need a loan amount above $417,000.

Jumbo: Due to Movement Mortgage's strength and stability, we have relationships with institutional investors that enable us to offer mortgage amounts up to $2 million dollars. The jumbo mortgage product is a loan amount above $417,000.00; speak with your Movement Mortgage Loan Officer today.

HOMEPATH: I would like to start investing.

HomePath: Due to Movement Mortgage's financial strength and our relationship with Fannie Mae, we have been authorized to finance their vast portfolio of homes. These homes are sold under the HomePath program. This is a great program to start investing in real estate.

• Low down payment available for a primary residence.
• 10% down payment on investment properties.
• No mortgage insurance required.
• No appraisal is required.

FIXED RATE: I want to make sure my rate stays the same.

Fixed Rate: Movement Mortgage provides the traditional fixed rate loan as our most popular mortgage product. The fixed rate mortgage product offers the stability of a constant interest rate throughout the life of your mortgage loan. The fixed rate mortgage will provide you with the stability of being able to budget your finances. Over time, the fixed becomes more manageable as you and your family's income increases.

• Low down payment options available for qualified borrowers.
• Provides for cash out refinances.
• Loan amounts available up to $417,000.00
• 10, 15, 20, and 30 year terms available.


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