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Welcome!

Thanks for visiting Borrower-friendly Loans!

Borrower-friendly loans was created to convey a simple message which relates to mortgage financing:

Over the last three decades the FHA mortgage programs have proven to be more flexible (reasonable credit history was acceptable), more affordable requiring only 3.5 percent down payment for purchases (up from 3.0 percent as of 2009), and more buyer/borrower-friendly (will permit home buyers to use more of their income to qualify for a mortgage) than any other home buyer financing program except the VA loan for veterans. Please see FHA! Meeting the need, on the TPJaveton Mortgage 'Stories website'.

It must be pointed out here that the FHA is not a direct lender, but is the insurer of residential mortgage loans made by HUD-approved lenders. These lenders must originate, process, underwrite and close loans in accordance with guidelines set forth by HUD in order to obtain a Mortgage Insurance Certificate (MIC) from the FHA, so in this respect the process is controlled by HUD and FHA through regulations (Regs) put in place by these agencies.

Here is the 'friendly' part. It has often been said that the FHA was created to make it easier for people to own homes, and throughout the 75 years of its existence that has proven to be true.

Website Management

This website is managed and maintain by Tony Phillips, the founder of TPJaveton Enterprises and TPJaveton & Associates. He is also the person responsible for many of the Web connections mentioned below.

For this reason you may see Tony Phillips and TPJaveton showing up on the same page of search results. Tony is currently employed as a mortgage services provider - both residential and commercial mortgages - with United Northern Mortgage Bankers, a New York-based Mortgage Lender, and resides in the central New Jersey city of Woodbridge.

TPJaveton is an online entity engaged in Internet marketing activities. More specifically, TPJaveton is an Affiliate Marketer and as such utilizes various proven methods of Web promotion, marketing and sales of products/services on behalf of merchant clients pursuant to certain specified terms and agreements.

Marketing activities employed by TPJaveton that prove to be most effective in the Affiliate Marketing campaigns are: Article Marketing, Website Publishing, Blogs, and Email campaigns. Among other activities in which TPJaveton participates are Network Marketing, Social Networking and specific eCommerce promotions on behalf of Merchants.

Following are other TPJaveton-managed websites, blogs, social networks and affiliations which may be of interest to you:

Dollar Counts eCommerce treasures   Marketing Internet's Niche treasures   Web Connections    When Bankruptcy Beckons   First Home Purchasers   Purchasing Real Estate Foreclosures   3-in-1Mortgage   Mortgage Stories   eCommerce   Freetures   Find Web Hosts   Passwords    Prime Mortgages

Social Network Connections:

Ask   Bebo   Blinklist   Bookmarksync   Hi 5   Linked-In   Digg   Facebook   Twitter   MySpace   Friendfeed   Delicious   Social Oomph   Stumbleupon   Plaxo   Mixx   Buzz

Purpose and Objective

We set out to create a website that accomplishes three objectives. To provide relevant and useful mortgage loan information; to provide the tools and resources which we believe will be needed to adequately prepare our readers for obtaining affordable mortgage financing from any licensed lender in the nation; and to provide access to third party professional services and organizations active in the mortgage and real estate industry.

This website is not owned or operated by a mortgage lender, although the author(s) of these pages have a combined thirty years experience in the real estate and mortgage services industries. We therefore must point out that no one will be able to make application for a mortgage on this site and none can or will be accepted; but after browsing the pages of B-fL, we hope that you will be as equipped as you need to be with information necessary to prepare for and obtain an affordable home loan. You will find a number of mortgage resources as well as the practical information needed to accomplish the goal of home ownership.

The mortgage application process consists of several stages which are discussed later on this website, but because it is real estate being financed, the process must necessarily be completed in stages where each stage requires the services of highly trained and/or experienced professionals. In addition, the guidelines and regulations as well as a number of rules and codes of conduct which must be adhered to by each mortgage specialist require the involvement of several third-party professionals. We've attempted to provide access to companies and associations capable of providing these services and welcome other legitimate entities to contact us so that we may provide access to their services on this website.
A sincere thanks to friends, associates and members of B-fL and TPJaveton for their support.

Many Thanks to Weebly

TPJaveton wishes to extend appreciation to Weebly for the resources and tools made available with the free website. They were of tremendous help in making this website possible. We invited our friends and supporters to come along with us throughout the creation of Borrower-friendly Loans for two reasons:

First, we hope you will continue to support our efforts to provide the TPJaveton unique brand of quality mortgage financing information via B-fL. Second, we wanted to provide a glimpse into what it takes to create a Weebly website, and as you can see B-fL is now officially a reality, so anyone who aspires to create a website using the 'do-it-yourself' method should check out what Weebly has to offer.

You bring the creative ideas, knowledge of your subject and the time to do the work, and Weebly will provide the tools & resources, as well as the space in which to publish your website. To learn more about Weebly follow the 'Create a free website' link below. Thanks to everyone who helped to make this launch possible.

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We are also grateful to the folks at Google!

The TPJaveton family extends sincere thanks to Google for the many Google tools and resources utilized in making this website possible; plus so much more. We will always be grateful for the privileges granted.

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With one click of the TOM-SLbutton below…

You can start a free subscription to 3-in-1mortgage subscribed links, and receive the kind of mortgage information necessary to keep up with the pros. Simply click this button, and at our subscribed links home page, click subscribe at the check mark. That's it! Use your Google account to gain access. If you don't have one, it's easy and free to create.

Three-in-One Mortgage

Homebuying options    Dollar counts eCommerce

One of the premier commercial mortgage networks of this decade now offer professionally prepared Executive Summaries at no cost to the borrower. Depending on who you talk to, that report when done correctly can cost in excess of five hundred dollars ($500) and C-Loans provide it to borrowers and brokers at no cost.