Thursday, December 8, 2016

Mortgage Broker, Bank or Credit Union?

Why Should You Shop For A Mortgage Broker Rather Than Just Settle For Any Lender??

We'll give you 3 good reasons that will save you time AND money...

1) A good mortgage broker has better and more varied loan programs, rates and closing costs than banks and credit unions, allowing you to look at more potential properties while offering you more loan choices when it finally comes to closing.
Banks and credit unions may have 1 or 2 programs to choose from, if your purchase scenario doesn't really fit their 'mold'.......oh well.

2) A good mortgage broker is available almost 24/7, even on weekends.
Banks and credit unions aren't and they can't get you a Pre-Qualification letter when you want to make an offer on that property you ran into that Sunday afternoon.

And lastly, a good mortgage broker will be there when you need them, guiding you the entire way through the purchase loan process, and will assure that you end up with the best program, rates and closing costs for your specific loan scenario.
At Global Unity Mortgage, we can offer you all the entitlements of working with a good, local, 5-Star Award winning Connecticut mortgage broker.
We run ALL our Pre-Qualifications (available  7 days a week) through our Lenders prior to issuing the Pre-Qualification letter to you & will be available to you when you need us.

So contact us today at (860)872-9479, send us an e-mail at or visit our website at, and take the un-due stress out of your home shopping experience! 

At Global Unity Mortgage...your business means the world to us!!!

Wednesday, November 30, 2016



Although it is too soon to tell, one thing is certain, Trump has openly stated his belief that the financial industry, and housing in particular, is over-regulated and that he plans to overhaul the Dodd-Frank Act of 2010, which the Obama Administration considers to be one of its greatest victories. Trump, a real estate entrepreneur by trade, has made it clear that he will review all regulations that the Obama Administration put in place.

At a minimum, the Trump administration has the chance to decriminalize administrative over-regulation and foot-faults, which could allow lenders to remove credit overlays and leverage government lending programs to their fullest and intended public policy purpose to benefit qualified home buyers.

Since Trump is a businessman, some view his election as a major victory for banks; Dick Bove, VP of equity research at Rafferty Capital Markets, told CNBC that the election of Trump a “grand slam home run for the industry,” saying that banks will benefit from legislative, regulatory, and economic standpoints, since Trump has said he plans to roll back key financial regulation passed by the Obama Administration.

We shall see....

Read the whole story here:

Tuesday, October 18, 2016



Some recent analysis has suggested that millennials are hesitant, or unable, to become homebuyers, but they might not be as hesitant or unable to buy a home as some  may think.
The buying power of millennials is kicking into high gear, especially in the housing market. A massive new Zillow report on housing trends found that in terms of buying, millennials under 36 years old are half of today's U.S. homebuyer market. They also reflect an increasingly racially diverse middle class, with “old-fashioned aspirations, seeking a home that is both a good investment and a reflection of themselves.”

CLICK HERE to read the full article.

Friday, October 7, 2016

When Should You Consider Refinancing?

When Should You Consider Refinancing?

If you are looking to lower your current interest rate or if you are looking to consolidate debts
or obtain cash from your equity, it may be a good idea to refinance now while rates low.
Refinancing your mortgage could:

Lower your monthly payment           Lower your interest rate
Lower your loan term                        Turn home equity into cash
Eliminate PMI                                    Pay-off or consolidate debts

This is where selecting the right professional to guide you becomes paramount. Did you know that most people turn to their local bank, rather than an Independent Mortgage Professional? Well what you might NOT know is that an Independent Mortgage Professional is often the best choice and
they are able to offer you more loan options than a bank.
What differentiates an Independent Mortgage Professional from a bank?

  • Licensed mortgage expert - consistently undergoes continuous training and adapts to industry changes quickly.
  • Specializes in mortgages only.
  • Partners with several lenders to offer multiple loan products, allowing you to chose the best option.
  • Often offers lower rates and cheaper costs due to less overhead.
  • Not required to be licensed and are not held to the same standards and regulations as brokers in terms of testing and ongoing training.
  • Offer many other loan products (auto, boat, etc.), so mortgages are not their main focus.
  • Only able to offer limited loan products they have in-house - may not be the best fit for your needs.
  • Often offer higher rates than brokers.
  • Slower to adapt to change due to large organizational operations. 
Ready to see if you could benefit and put yourself in a better position before rates increase?

CALL GLOBAL UNITY MORTGAGE TODAY AT (860)872-9479, email us at or visit our website now !

Friday, September 23, 2016

Lowest Mortgage Rates in 40 Years!

Lowest Mortgage Rates in 40 Years!

The housing market remains strong, with strengthening home sales
and what is likely to be the lowest annual average for mortgage rates
in more than 40 years, according to new data from Freddie Mac.
They have found that in most markets, low mortgage rates have more
than offset the rise in house prices, preserving home-buyer affordability
for the typical household. Homeowners are also taking advantage of
low rates and house price appreciation that is increasing their home equity.
The share of cash-out refinances grew to 41 percent in the second quarter
of 2016, compared to 38 percent in the first quarter and 15 to 20 percent
during the housing crisis.

With this in mind, if your current rate is over 4.000% on a 30 year mortgage
or over 3.500% on a 15 year, refinancing NOW could save you thousands!!
Plus, YOU CAN NOW REFINANCE BY THE YEAR, not in 5 year increments
as before, so most likely, you won't even have to extend your current term.
You may even be able to cut a few years off and the rates even beat the
Quick and Guaranteed lenders!

Contact Global Unity Mortgage today to obtain your free money-saving refinance quote at

You may also call 860-872-9479 or visit the website at if you wish to apply and start saving today!!

To read the full article, click here:

On a side note, for those of you looking to purchase, there's a
now available with NO PMI and we will be happy to get you Pre-Qualified
quickly and easily so you can put in an offer and BEAT YOUR COMPETITION!!


Wednesday, August 10, 2016

Stop Renting and Purchase Your Dream Home with only 1% Down!

  Global Unity Mortgage is proud to introduce a brand new program called
The Conventional 1% Down with Equity Boost!
Click on the video below to see how this exciting new program works...

See? Now there's no reason to wait, as this is an exciting new option for just about anyone looking to buy a home!!
And remember, just because buying a home has never been easier, every buyer still needs to get pre-qualified just like any other program, so call Global Unity Mortgage today at 860-872-9479 and get pre-qualified to purchase the home you’ve always dreamed of owning!
At Global Unity Mortgage...your business means the world to us!!!
Video Re-cap:
You put down 1%, the lender then contributes *2% towards your down-payment (giving you a total of 3% equity in the home) and then you finance the rest as a conventional loan. You'll still get a great low rate, you can still close in less than 30 days and it's even available with a no monthly mortgage insurance option.
  *2% lender contribution may only be applied to down payment

Wednesday, July 20, 2016

Mortgage Rates Tumble after Brexit Vote!

American homebuyers could make out well, according to Greg McBride, chief financial analyst at “Mortgage rates will tumble following the Brexit vote, possibly hitting new record lows,” McBride said. “If you're a borrower, don't wait to lock your rate, as this opportunity may not last long.”
Mark Fleming, chief economist at First American Financial echoed the
idea that the Brexit will likely benefit Americans in search of a mortgage. “The housing market continues to benefit from low, and even falling, mortgage rates driven by the ‘flight to safety’ and relative yield that is maintaining demand for U.S. 10-year Treasury bonds, which underpin fixed-rate mortgages,” Fleming said. 

With the 30 year fixed rate now in the low 3's and the 15 year fixed rate currently in the low 2's, there has never been a better time to purchase
or refinance.

REFINANCERS NOTE: If your current rate is over 4.25% on a 30 year
or over 3.50% on a 15 year mortgage, refinancing NOW could save you thousands!!

Contact Gary Cutler at Global Unity Mortgage today to get pre-qualified
for a future purchase or to obtain your free money-saving refinance
quote at
You may also call us at 860-872-9479 or visit our website at if you wish to apply and start saving today.