by admin on July 22, 2012

The Advantages of Using a Mortgage Professional

The North Carolina Association of Mortgage Professionals, or NCAMP, is a statewide industry supported association dedicated to advancing the knowledge and understanding of the mortgage profession. NCAMP offers its members educational opportunities, legislative and regulatory updates and numerous other benefits to insure that its members are among the most knowledgeable and informed mortgage financing professionals serving the public.

All members of NCAMP are also members of NAMB, the National Association of Mortgage Brokers. As a condition of membership all members agree to abide by a strict code of ethics designed to protect the consumer as well as to help assure compliance with both the letter and the spirit of all applicable laws and regulations.

When you deal with a NCAMP member you are dealing with someone who has shown a sincere interest and involvement in their chosen profession. Their investment of time and resources in NCAMP shows a desire to stay current in all areas of mortgage financing in an effort to give you the best possible programs and service.

Membership in NCAMP signifies a dedication to a higher standard, professionalism and more importantly, reflects a professional attitude toward the lifeblood of our industry: YOU, OUR CUSTOMER!

For further information about NCAMP, please click through the links on the right or contact our management office.

Legal advice from NCAMP is provided by Employment Attorney in Orange County.

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NCAMP Partnership For High Risk Life Insurance

by admin on July 22, 2012

NCAMP is proud to announce our sponsored partnership with Root Financial for high risk life insurance.

Root Financial helps individuals in North Carolina and around the united states with their term life insurance to cover their mortgage in the event of an untimely passing.  They understand that you can get your life insurance quotes anywhere and NCAMP has fully vetted their agency by going through all of their licenses and checking the department of insurance for each state to make sure they’re in good standing.

Being experts in mortgage protection insurance, they can customize a life insurance policy to fit your needs and cover your mortgage.  They offer over 50 life insurance companies and have the ability to find the best rates on the market for term life insurance, whole life insurance and return of premium life insurance.  Whatever product fits a home owner situation is the product they will recommend.  They aren’t married to any one carrier.

It all comes down to your health situation though.  Every life insurance carrier will look at your health based on their own set of underwriting guidelines.  It’s up to Root Financial to find the life insurance carrier who will look at your health most favorably.  That’s how we find you the best life insurance quotes available.

Often times consumers can’t qualify for coverage because the have health issues.  That’s where this life insurance agency shines.  They are specialists in high risk life insurance and will find the carrier that will offer the lowest rates based on their health issues.  They work with every risk, including: diabetes, strokes, heart attacks, cancer history, multiple sclerosis, Parkinsons and even lifestyle risks such as scuba diving, skydiving and motor racing.  You name the risk and they’ll be able to find you affordable coverage.

They only use A rated life insurance companies as well.  Most mortgages are 30 year notes and you need to know your life insurance company will be there for you if you need them.  Being with a financially sound company will give you that peace of mind.

Many consumers contact them for credit life insurance or even decreasing benefit term insurance to coincide with their mortgage as they pay it down.  Truth is, level term life insurance is less expensive and provides better value.  The death benefit remains level and the premium remains level for the length of the term.

You can visit their website to run a life insurance instant quote even though they don’t recommend it because the rates are based on your health.  It’s more to get a ballpark figure if you’re in good-fair health.

We are excited about this new partnership and we recommend any NCAMP members to utilize Root Financial if any of your clients are looking for life insurance.  They always have the lowest rates and will always deliver the quickest and fastest service.  They look to earn your trust, before they earn your business and that is such a breath of fresh air.   For more information, please don’t hesitate to contact them.

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