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Your Trusted Mortgage Company

Ogden Mortgage Group, Inc has over 32 years of staff experience in the mortgage industry. From the front lines of helping customers obtain mortgage loans to Pre-Underwriting and getting your Loans Closed. Ogden Mortgage Group also has experience in Audit Reviews which ensures the loans meet specific guideline requirements. The industry knowledge encompasses a wide array of loan types and product services to better assist our customers. Ogden Mortgage Group also provides you with the information and tools to work towards your goals of homeownership: It’s never “No”, It’s “When”.  We pride ourselves on open and honest communication in helping our customers obtain the best mortgage loan for their needs. While conducting our business with the highest level of integrity and moral standards, Ogden Mortgage Group provides you with superior customer service.

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Ogden Mortgage Group Services/Products That We Offer

Commercial Loan
Per our Commercial and Non QM Programs, we can loan in 42 States in the United States. We have a No Loan Limit Maximum, Fund Subdivisions, Rehabs, Refinances/Cash Out, and Much More.
Conventional Loan
Conventional Loans are not part of a specific government program. There are 2 Types of Conventional Loans: First One is Conforming Loans and Second One is Non-Conforming Loans.
Entrepreneur Loan
The Bank Statement qualifier loan offers several benefits, namely the ability for the borrower to use bank statements to qualify in place of traditional income documentation.
FHA Loans
FHA Loan is a mortgage that's insured by the Federal Housing Administration. FHA allows borrowers to finance homes with down payments as low as 3.5% with Credit Scores between 580-619. Popular with First Time Homebuyers.
Foreign National
If you are not a citizen of the USA, you still may be able to obtain a mortgage to purchase a home. Our Foreign National Loan Program makes buying a home in the USA easier for Non-US citizens.
Home Equity Line of Credit can use up to 89% of current value of your home. This can be used to start up an investment portfolio that you may wish or even a Line of Credit to consolidate debt like credit cards.
Honor U
Honor U program is created within Ogden Mortgage Group to show appreciation to all who serve and protect. This program is dedicated to: First Responders, Police, Military, Firefighters, Medical, & Educational.
Investor Cash Flow
For the individual that has 1 or more investment properties, and are looking to expand their portfolio or refinance to leverage their buying power, Ogden Mortgage Group offers an Investor Cash Flow Program.
Manufactured Homes
This program is ONLY for Florida. 5% Down Conventional. Minimum Loan Amount is $20,000 and a maximum Loan Amount of $300,000. Minimum Square Footage of living will be 500. Park Setting or Family Land is OK.
Our Neighborhood Program
Has a Mortgage Loan been denied? Our Neighborhood Program is Epic! No Income, No Mortgage Insurance, No Employment, No 2 years with Job History.
Rehab Loans
Rehab Loan aka Renovation Loan - Enables Homebuyers and Homeowners to finance both the Purchase or Refinance along with the Renovation of a home through a single mortgage instead of multiple.
USDA home loan is a Zero Down Payment mortgage for eligible rural homebuyers. USDA loans are issued through a USDA Loan Program, which is by the United States Department of Agricultural.
VA Loan
The VA Loan is Zero Down Payment mortgage option available to Veterans, Service Members, & Select Military Spouses. VA Loans are guaranteed by the U.S> Department of Veterans Affairs (VA).


Food For Thought: Rates

October 1981 saw 30-year mortgage rates hit their historical peak at 18.45%. That same year saw the highest annual average at 16.63%.
In the 1990s, inflation started to calm down a little bit. The average mortgage rate in 1990 was 10.13%, but it slowly fell, finally dipping below 7% to come in at 6.94% in 1998.
Mortgage rates steadily declined from 8.05% in 2000 to the high-5% range in 2003. However,
it wasn’t all milk and honey in this decade. The housing crash happened in part because
property values declined steeply until they hit their lowest point in 2008. This left many
homeowners owing more on their homes than the property was worth. 

Mortgage rates dropped in 2020 to an average of 2.68% due to the Federal Reserve lowering rates in response to COVID-19. Since that time, rates have edged up, but are still near historic lows.


Food For Thought: Rent

Analysts expect rent costs to keep increasing while other sectors of the economy start to cool
down as landlords reap a windfall from the lifting of eviction moratoriums that were enacted at
the height of COVID-19 — kicking out old tenants and bringing in new ones at higher rents.

For a glimpse of what could be ahead, just look at December 2021: Rents nationally shot up
14% compared to December 2020 — at a much faster clip than the 4% average seen throughout the rest of 2020, according to Redfin data.

Meanwhile, Americans expect the average cost of rent will rise by some 10% this year,
according to a report by the Federal Reserve Bank of New York.

Over the past year, in some of the most desirable cities, rent has increased even faster than the national average. Cities such as Austin saw average rent rise by as much as 40%, while the average cost of an apartment rose by up to 35% in places like New York City, Nassau County,
Long Island, Miami, and Newark.

Commercial Program

Food For Thought: Commercial Funding

While Commercial Building and Businesses are booming throughout the United States, Ogden Mortgage Group is keeping up with the industry and rates. Ogden Mortgage Group can fund borrowers all over the United States and meet expectations for borrowers closing process. Ogden Mortgage Group has a few different lenders and many different property types that lenders work with. Do not hesitate to reach out with any questions that you may have.

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