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Indianapolis Mortgage Rates - Different Types of Mortgage Lenders for Indy

When it comes to Indianapolis mortgage rates, you’ll find that there isn’t just one type of home loan you can get to finance your house. There are many different kinds of loans. But what a lot of people don’t realize is that just like there are different kinds of loans, there are also different kinds of lenders out there. Today let’s take a look at the different types of lenders that you might run into when you’re looking into a home mortgage.

Indianapolis mortgage rates and mortgage bankers

The first kind of lender we’re going to talk about today is maybe the most common type of them all: the mortgage banker. What they do is they actually originate their own loans, and then also sell their own loans to people like Freddie Mac, Fannie Mae, and also any privatized investors who are interested.

Depending on the kind of mortgage banker they are, they may also get the money to finance their loans using credit lines from other lender sources. These are then sold to the secondary market in order to go about originating a new loan or loans.

Direct mortgage lenders

Another type we’re going to talk about is the direct mortgage lender. What this means is that it’s a bank or some kind of other such lender who will work directly with the homeowner. For this type of lender you won’t need to get a broker or any one else inbetween you and the lender.  You’ll usually see someone listed as a direct lender if they also hold down a retail location.

Warehouse lenders

These types of lenders sometimes work directly with mortgage bankers, but sometimes they work on their own as well. They actually function in a similar way to mortgage bankers because warehouse lenders also can originate their own loans, and service their own loans, and even sell their own loans to the secondary market just like mortgage bankers can. A lot of mortgage bankers have their own wholesale lenders that they work with.

Conclusion

There are more types of lenders out there that we didn’t discuss today. There are subprime, warehouse, alt-a, mortgage brokers, and loan officers as well that can help lend you money if you’re looking to buy a new home. Whatever you do you should consult with an expert because this is possibly the biggest decision you’ll ever make in terms of money, so it’s best to make sure that you do it right!

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Best Things About the Bail Bondsman Indianapolis

There are a lot of different reasons why a bail bondsman Indianapolis can help you out. If you’ve been arrested and charged with any sort of crime in the Indy area, the first thing that happens is they take you down to the jail. Let’s learn more about this process and the best things about the services that bail agencies offer.

Bail Bondsman Indianapolis Steps

After you get arrested in Indy and taken to jail, you will sit in jail and go through the different steps of the processing procedure. This involves things like searching you, getting your personal items taken and stored so you can get them back when you are released, getting your fingerprints taken and input into the computer system, getting your photo taken and put into the computer system, looking for tattoos you may have, etc.

After Processing Is Finished

After you get done with processing you will then go into a jail cell and wait there until you get to see a judge. The judge will determine whether or not you get to be released on bail, and how much money your bail will be set at. During the time you’re waiting to see the judge, you can use the jail’s phones to call someone. When you call someone, you could use this time to have someone outside the jail secure you a bail bondsman so you can get out of jail once the judge sees you.

What They Should Do

What the person who you call should do is call around and find a local bondsman who can post your bail for you. They will go and pay for your bail, and all you have to do is pay 10% of the total bail amount. This saves you from having to cough up thousands of dollars to let the court hold on to until you come back for your court date.

The best thing about this is that you don’t have to do anything except pay the bail bondsman. They will take care of all the paperwork and everything else that you have to do in order to pay your bail. All you have to do is pay them their 10% fee and then show back up for your court date. As long as you show up for your court date everything is fine and dandy, and you are back out on the streets to do as you please while you wait for your court date.

In Conclusion

Whenever you get arrested it’s a good idea to have some people on your side to help you out who are looking out for your benefit. A bail bondsman can be one of those people for sure. Another good choice to have on your side is a lawyer, but that comes later after you have alleady gotten out of jail on your bond.

Whatever you do, make sure that you do show back up to your court date or else they will issue a warrant for your arrest! And if you’ve used a bond agency, they will send a bounty hunter to come track you down and drag you back into court. You’ll have a chance to explain why you missed your court date, but it’s best to avoid the bounty hunter and just show up in court when you’re supposed to!

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