Mortgage Mapp Available
Mortgage Loan Originator
NMLSR# 9810
CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Mortgage Mapp Available
Mortgage Loan Originator
NMLSR# 9810
CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534
You can afford $300,000
Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Total Amount Paid: $240,000
Estimated insurance needed: $667/month
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Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.
BackVanessa Gargana has over 30 years business experience in client service and sales, with the most recent 25 years spent in residential mortgage loan originations. She has developed a solid understanding of the needs of mortgage clients and the business professionals who support each transaction. She works directly with all of her clients for the purpose of developing a financing strategy for the home they will purchase or refinance. She focuses specifically on effective 2 way communication and implements necessary tasks to make each transaction a positive success!
Vanessa is a seasoned professional who works as comfortably with first time home buyers as with those who are moving up, are relocating to or from other areas of the country, or are refinancing. She knows that along with the relationship she develops with a customer, successful use of a team strategy that includes realtors, attorneys and support professionals is instrumental in facilitating the most positive home purchase or refinance experience. Ultimately this approach results in excellent business practice and a solid reputation which is the strong foundation for her success in the industry!
SAFE Act Compliance & Mortgage Loan Originator Information
Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry: http://www.nmlsconsumeraccess.org/.
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any community bank office or call our Customer Call Center at 800-724-2621 or 585-394-4260 regarding the locations where HMDA data may be inspected
Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408 CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust
DISCLAIMER
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.
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Mortgage Mapp Available
Mortgage Loan Originator
NMLSR# 9810
CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534
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Mortgage Mapp Available
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