Each Customer is Unique, as is Their Situation

Due to the ever-changing nature of interest rates and because of the extensive number of loan options and lenders that we make available to you, it is necessary to treat each customer on an individual-by-individual basis. At IMS, we recognize that each person's situation is unique. To offer you the mortgage that suits your situation the best, it is necessary for our qualified Loan Consultants to quote loan programs and interest rates over the phone or in person. Our Loan Consultants ask all the right questions to find out which loan programs fit your particular needs as well as finding the best interest rate for your mortgage. To get started, fill out a Quick Application, or call us at (888) 835-3900 to speak with one of our expert Loan Consultants.

Locking Interest Rates

The Loan Consultants at IMS have their pulse on the market and are eager to help you lock in the interest rate that you want. To lock an interest rate through IMS, the following two events must have taken place:

• IMS must have a complete, signed loan application and customer authorization form on file.
• Your loan must be pre-approved by one of our lending partners based on the information provided by you on the loan application.

Every type of loan program that is currently available in the market is at your fingertips, with the help of IMS. Depending on your specific situation, we can offer lock periods as short as 15 days and as long as 120 days.

Switching Lenders, Loan Programs, and Rate Locks

Again, since each person's situation and needs are unique, we will always do our best to accommodate your wishes. In some situations, however, it may not be possible to jump from lender to lender, change to a different loan type and still lock the rate that you want. Since interest rates fluctuate daily, there may not be an equivalent rate available for a different loan program on the day that you are eligible to lock your new loan. Additionally, lenders can sometimes charge a fee to cancel an approved loan that has gone through the underwriting process. Speak to one of our friendly Loan Consultants at (888) 835-3900, or fill out our online Quick Application to find out more about your mortgage loan and rate lock options.