Decision One Mortgage Company

Decision One Mortgage specializes in non-conforming residential mortgage loans and debt consolidation loans.   They are a wholesale lender, meaning that they sell most of the loans they originate.  They work with brokers and not the actual loan customers.  A customer who desires a loan through Decision One mortgage may go to the National Association of Mortgage Brokers (NAMB) website for more information and to find a broker.  Not only does the NAMB help get the customer the best possible rate, but they can also help with insurance, taxes and other fees.  Decision One has more than 20 branches in cities nationwide and also funds through loan brokers and correspondent lenders.

Decision One Mortgage Loan Options

Decision One’s brokers have access to up-to-the-minute technology and the most current loan products. 

• 100% Loan to Value Mortgages
  
• Refinance Mortgages
  
• Rural Development Loans
  
• Second Mortgage Loans
  
• Debt Consolidation Loans
  
• Bad Credit Mortgages
  
• Home Equity Loans
  
• Home Equity Lines of Credit
  
• Interest Only Loans
  
• Adjustable Rate Loans
  
• Full Documentation Loans (FICO 620+)
  
• Stated Documentation Loans (FICO 640+)

Decision One realizes that both the customer’s home and the broker’s business are on the line every time a loan package is submitted  to them.  Therefore they give each loan the special consideration it deserves.  Decision One does request that their brokers be sure to submit a loan package that is complete in order to render the decision within 24 hours of submission.  The broker can use Decision One’s online resources to price their loans for customer approval.  The broker then submits the loan request, and Decision One’s account executives and managers will make their decision and get back to the broker as fast as possible.  Usually inquiries into the status of the loan will be answered within one hour.  Decision One will stay with the broker throughout the loan process and right up until closing in order to insure that the broker is well informed and is keeping his/her customer informed as well.

About Decision One Mortgage

Decision One is a subsidiary of HSBC Finance, one of the largest financial services corporations in the US.  They in turn are owned by HSBC Holding, the British headquartered global banking and financial services group.   Although HSBC is the largest financial services operation in the world, with over 9,500 offices in 76 countries and a history going back to 1865, they view themselves as a local bank.  All their subsidiaries uphold this view, including Decision One.

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