Comprehensive Review of Integrity Mortgage Group – Services and Offerings

In today’s world, with such a big market range it’s more than ever important to do your research before applying for a loan. In this article, we will be discussing Integrity Mortgage Group. So read this review to learn everything about them including their loan products, customer service, and much more.

Integrity Mortgage Group is a mortgage banker that offers a variety of loan products, including fixed-rate and adjustable-rate mortgages, conventional loans, and government-backed loans. The company has been in business since 1996 and is headquartered in Asheboro, North Carolina. Integrity is licensed to do business in 11 states and has been BBB accredited since 2020 and has an A+ score with them.

How much money can you borrow from Integrity Mortgage Group

When taking out a loan, it’s crucial to know how much you can borrow. With Integrity Mortgage Group the maximum borrowing amount allowed is $1,5 million.

Keep in mind that you may not be able to borrow as much if your credit score, employment history, and monthly income aren’t the best. This is because all lenders will look at those stats and give you a loan amount based on that.

To get a better estimate depending on your personal situation, we suggest you schedule a meeting with a loan officer.

Integrity Mortgage Group Pros & Cons

As with any other mortgage company, Integrity Mortgage also has its own pros and cons that should be considered. We will list them down below and are encouraging you to weigh them out before making a final decision.

There are many benefits of working with this company, including its big variety of loan options. On top of that, they are a BBB-accredited business and have an A+ rating. They are a HUD accredited company which brings a lot to the table in the terms of being a reputable mortgage company.

On the other hand, they are considered an average-fee lender and you will be met with origination fee and closing costs. We also saw that they had some problems with some of their clients, where the main issue was miscommunication between loan officers and clients.

Pros:

• BBB accredited
• Good interest rates
• No prepayment fees
• The wide array of loan products
• Good loan terms
• HUD accredited

Cons:

• They have origination fees
• Charge closing costs
• Have some complaints

What is the longest loan term you may obtain from Integrity Mortgage Group?

The longest loan term you can obtain from Integrity Mortgage Group is 30 years. This is a standard loan term for most mortgage lenders. Additionally, it is the most popular choice among borrowers as this will ensure they will have the lowest monthly payment possible.

However, besides this one, the company also offers 15-year terms for those looking to pay off their debts faster. This is a great thing for many people, simply because you will not be charged extra on your loan.

What mortgage rates do Integrity Mortgage Group offer?

IMG mortgage offers a variety of mortgage rates to meet the needs of its customers.

They have fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans, such as FHA and VA loans.

Integrity Mortgage Group interest rates go from 6.06% for a 15-year refinancing loan to about 7.40% for a 30-year FHA loan. With these rates, they are considered an average fee lender.

What is the estimated funding time?

This mortgage banker offers a variety of mortgage products, including FHA, VA, and conventional loans. And due to this, the funding time will differ depending on the loan type you are trying to take out.

What we found is that the estimated funding time for a loan through Integrity Mortgage Group is 10-15 days from the time your application is approved. This is relatively fast compared to some other lenders, who can take up to 30 days or more to fund a loan.

Do they charge mortgage origination fees?

Integrity Mortgage Group does charge origination fees to their borrowers. These are the expenses added to the total cost of the loan and cover the charges associated with issuing the mortgage.

They are typically a percentage of the total loan amount, but unfortunately, Integrity mortgage unfortunately didn’t disclose the actual percentage.

Integrity Mortgage Group closing costs are also charged by the lender but once again they didn’t disclose how much you will need to pay. In some cases this can present a huge problem down the road so be very careful when signing the loan agreement.

Does Integrity Mortgage Group charge prepayment fees?

Integrity Mortgage Group does not charge any prepayment fees.

This is one of the many benefits of working with this particular company. So, in case you want to pay off your loan early you will not have any additional charges for doing so.

In addition, this can save you quite a bit of money in interest charges and help you get debt-free faster.

What mortgage programs are available?

There are a variety of mortgage programs available through Integrity Mortgage Group. Some of the most popular programs include fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans.

This variety of loan options helps the company meet the needs of all kinds of borrowers. Whether you’re a first-time homebuyer or an investor, they have a loan program that’s right for you.

Here is what their offer includes:

• Conventional mortgages
• FHA
• FHA 203k
• VA
• USDA
• Jumbo
• Non-owner occupied
• Reverse mortgage
• Refinance loans

What property usage types does Integrity Mortgage Group allow?

By taking a loan from Integrity Mortgage Group, you can finance:

• Primary residence
• Second home
• Vacation home
• Condo or townhouse
• Investment properties

So no matter what type of property you’re looking to purchase, this mortgage bank likely has a loan program that can fit your needs. You can also speak with your loan officer to find the most suitable mortgage for your needs.

How do people rate customer service and user experience?

After our deep dive, we can conclude that Integrity Mortgage Group reviews are outstanding. All the feedback we read stated that all the loan officers are really polite and happy to help.

They are also open to improving their customer service and user experience, so they take feedback from their customers very seriously. Even their overall score is great as they have 4.9 out of 5 stars. They had some problems in the past and a couple of complaints but luckily they improved which shows with their clients satisfaction in the recent years.

By working with them you can surely expect great service but in case this company isn’t the best fit for you feel free to reach out to us. We would love to help you find a lender that suits your needs the best.

Contacts of Integrity Mortgage Group

Integrity Mortgage Group operates from Asheboro, North Carolina and you can reach them via their website, email, or phone number. We will list them below.

Address

191 H NC Hwy 42 N Asheboro, North Carolina 27203

Phone number
(336) 625-4992
FAX number
(336) 625-0911

And in case you are interested in applying for a mortgage, they have an online application form for all of their programs.

Availability of Integrity Mortgage Group

As we already mentioned Integrity Mortgage Group claims to be committed to providing its customers with a wide range of mortgage products and services.

The company offers a variety of conventional and government-backed loans, as well as a wide array of adjustable-rate and fixed-rate mortgages.

They are based in North Carolina but did not disclose on their website other states they provide their services in.

This is why we encourage you to reach out to their loan officers to see if they can help you buy the home of your dreams.

Integrity Mortgage Group Summary

• Integrity Mortgage Group is a mortgage bank based in Asheboro, North Carolina.
• They have been in business for almost 30 years, and have been BBB accredited since 2020.
• The company offers a variety of loan products for both home purchasing and refinancing.
• Online customer reviews praise this company as being good and reliable. They have an overall rating of 4.9 out of 5 stars.

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