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SLP Capital has specialized in competitive home mortgages for 9 years and counting - our customer satisfaction rating has never been higher!
Let our expert staff help you find the best mortgage option for your personal needs. We work with the nation's top lenders to bring you rates that can't be beat.

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Competitive Mortgage Rates

From company to company, mortgage rates will vary immensely, therefore research is necessary when applying. Not only are interest rates different, but there are also many stipulations, depending on the lender.

Interest: Fixed vs. Adjustable

Fixed rate mortgages have interest rates that are solidified when you get your loan. The market interest rate at the time of your closing becomes your interest rate for the remainder of your loan period. Fixed rates tend to be recognized as the "traditional way" of lending, however, ARM (Adjustable rate mortgage) is also an option. ARM rates start at a low, introductory level for the first period--usually one year. After this period, your mortgage rate has the ability to fluctuate up to a certain level. The maximum interest level is known as your interest ca, and protects you from inflated interest rates.

Understanding Mortgages

Learning exactly how a mortgage works can be confusing to the average consumer. First, become familiar with these terms and the difference between them:

Interest: The cost of borrowing money from your lender. Interest is expressed in a percentage of the total loan.
Principal: The total amount of your loan. For example, if you borrowed 150,000, your principal would be just that.

It's important to know that when you start making payments on your mortgage, you start by paying off the interest on your loan. After several interest-only payments, you start to pay off both the principal and the interest. Eventually, your last few payments will be only principal. This process is called amortization. The further along you are in your mortgage, the more equity you obtain in your house. Becoming familiar with the language of mortgaging is important to make sure that you don't get taken advantage of by lenders.

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