Committed to your needs
Customers first
Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.
Get fast answers
At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
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LW Integrity Funding
1127 Wehrle Dr Suite A
Williamsville, NY 14221
Office Phone: (716) 873-3500 Fax: 716-873-3501 email: jeanne@lwintegrity.com
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- Enthusiasm working for you
Helping people make one of their most important decisions is a serious responsibility, but something that we enjoy doing. Our enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.
- Established Credibility
We have many years of experience and knowledge working in this industry. We can say with confidence that we'll get the job done right.Our number one source of business is from our many satisfied clients!
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 Mortgage News Daily
FHA Commissioner: Raising the Down Payment Requirement Would Hurt Housing Recovery - 1 hour ago
Posted To: MND NewsWireIncreasing the minimum down payment required for a Federal Housing Administration (FHA) loan from 3.5 percent to 5 percent could be a double whammy, affecting both potential homebuyers and the economy as a whole according to David H. Stevens, FHA Commissioner. At the same time, a lower loan to value ratio (LTV) by itself is not a particularly good indicator of buyer risk. In a statement prepared for a hearing Thursday afternoon by the House Financial Services Subcommittee on Housing and Community Opportunity, the Commissioner said if the agency raised the minimum down payment to 5 percent "as some have suggested," it would adversely impact the housing market recovery. The agency has conducted an evaluation of the loan files of a large sample of recent loans to identify homeowners...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
MBS LUNCH: 30 Year Bond Auction Results and Reactions - 2 hours ago
Posted To: MBS CommentaryThe previously discussed auction concession must have been sufficient because the long bond auction went very well. Overall, auction demand was well above average---2.89 bids were submitted for every one accepted by the Treasury. 82% of the auction was taken down at the high yield of 4.679% (dealer bids). I should share the auction caveat before going any further.... success was driven by a hungry bid from from direct buyers who took home a record 29.5% of the issue . This massive support offset a very weak turnout from Indirect bidders, who were awarded only 23.9%. Primary dealers got 46.4% of the $13 billion...below average Here is a recap of the results: 29-YEAR 11-MONTH BONDS YIELDS High 4.679 pct Median 4.645 pct Low 4.580 pct PRICE/ACCEPTANCES Price 99.128159 Accepted at high 82.80 pct...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Mortgage Portmanteaus -- Brankers and Broanchers vs. Net Branches - 3 hours ago
Posted To: The Garrett Watts ReportA portmanteau means a blend of two or more words and their meanings into one new word. An example is the word brunch meaning breakfast +lunch. Another is smog meaning a combination of smoke and fog. Some would consider a portmanteau a type of word morphing and we agree. Mortgage lending has had its share of portmanteaus. Over the last several years mortgage brokers who were transitioning to mortgage banking were sometimes phrased as Brankers. Branker is a morph of a mortgage banker and mortgage broker. A Branker acts and operates as a mortgage broker and doesn’t perform many functions of a mortgage banker – underwriting, doc prep and secondary market --, but does fund and sell loans in their name as a mortgage bankers. One key similarity with Bankers and Brankers is loan repurchase...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
MBS MORNING: Supply Concessions Set Up. Targets Outlined - 4 hours ago
Posted To: MBS CommentaryThe main theme in the rates market this morning has been a set up for the last Treasury auction of the week :$13 billion 30s. Results to be released at 1pm. The auction supply concession is obvious when looking at both price action outright as well as the long bond's performance relative to the rest of the yield curve. The chart below is 30 year bond prices. Notice the initial concession that was able to be built in after the Employment Situation Report was released last Friday. This theme carried over to this week...bond prices have continued to fall ahead of today's auction. Looking at the long bond's performance relative to the rest of the yield curve makes the auction concession even more obvious. 30s got their butts whipped by 2s after jobs data last Friday and the curve steepened...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Lenders Relaxing Non-Agency ARM Regs; High Cost Loan Reporting Guidance; Negative Convexity Defined; New Mortgagee Letter - 4 hours ago
Posted To: Pipeline PressWho says numbers aren't fun? A top muni bond analyst at Wells Fargo sent THIS to me. Numbers are fun! Sometimes time drags, and sometimes it flies. I came to this brilliant observation yesterday while waiting in the California DMV, waiting for my 15 year old daughter to obtain her driver's permit. Time flies doesn't it? On the other hand, in the mortgage business, it seems like a lifetime ago when companies were offering stated/stated 90% neg AM loans. Can anyone seriously push to have those days come back? That being said, ING notified its brokers that it raised LTV's and CLTV's, especially on Jumbo adjustable rate mortgages. US Bank's wholesale division is pushing its 1/1, 3/1, 5/1, 7/1, 10/1 ARM programs with IO options, cash out, up to $1.5 million. EverBank is "dipping...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
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