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About Us

Our work strives to enhance our sense of surroundings, identity and relationship to others and the physical spaces we inhabit, whether feral or human-made.

Selected Awards
  • 2004 — Aga Khan Award for Architecture
  • 2009 — Mies van der Rohe Award
  • 2013 — AIA/ALA Library Building Award
  • 2015 — Best Interior, Designers Saturday
  • 2016 — AIA New York Honor Award

Examine Quicken Loans’ YOURgage, a Customized Mortgage System

Examine Quicken Loans’ YOURgage, a Customized Mortgage System

In reviewing the loan that is innovative, Quicken Loans’ objective is for YOURgage to complement you with that loan that fits your own personal requirements and circumstances. just What differentiates YOURgage is the fact that it really is a customized mortgage having a versatile term. With YOURgage, you are able to personalize the mortgage term to match your needs, so that you get that loan this is certainly tailored to complete your unique goals that are financial.

Typically, when you search for a home loan you’ve got a limited menu to pick from. 30-year fixed loans and 15-year fixed loans are, undoubtedly, the essential options that are common. Many loan providers want to fit you into one of these simple bins. Quicken Loans’ YOURgage, alternatively, lets you set the definition of of your loan to virtually any length between 8 years and three decades. As opposed to attempting to fit you right into a box that is one-size-fits-most YOURgage lets you adjust your loan to your own requirements and objectives.

With YOURgage, you are able to:

  • Modify Your Loan Term- YOURgage provides you with the flexibility to refinance without resetting the word of the loan. For instance, you can choose a new 22-year loan to take refinance you current mortgage if you have a 22 years left on your 30-year loan. You can easily make use of the low prices without restarting the clock on another 30 12 months home loan.
  • Personalize Your Loan Payment- With YOURgage, you have the power to decide how much you intend to spend every month and then choose the loan term that fits your desired payment that is monthly.
  • Personalize Your Loan to yourself’s requirements- you might spend down your loan, before your revenue falls or before taking in another major cost. YOURgage will allow you to, you retire or when you need to start paying for college for your children if you want to have your loan paid off by the time.

Quicken isn’t the lender that is only provides this type of personalized home mortgage, but it is the essential high-profile.

Fixed-rate Loans just

YOURgage loans are limited to fixed-rate loans. There aren’t any adjustable loans for sale in the YOURgage system, although Quicken Loans has other loans that are adjustable. The possible lack of adjustable price mortgages (ARMs) when you look at the YOURgage issue is perhaps maybe perhaps not presently a big issue, as ARMs make up just about 4% of home mortgages that customers sign up for.

Purchase and Refinance Loans

YOURgage loans could be applied for to buy loans, along with refinance loans. Purchase loans require less than a 5% advance payment, if you are funding the purcahse of the main house. Quicken Loans’ YOURgage refinance loans may have a loan-to-value since high as 95%. Both YOURgage purchase and refinance loans are on a loans between $25,000 and $417,000.


The biggest effect of YOURgage is emotional. By showing you form all the other lenders that are competing for your business, but who have only identical loan products to offer that it is working to customize a loan to fit the your needs, Quicken Loans is separating itself.

As a debtor, you will need to concentrate not merely regarding the duration of the mortgage term, how big is the payment per month, and also the total price to cover your loan off, but additionally regarding the costs connected with your loan while the interest you may be provided. It’s not well worth having to pay more for a 22 12 months loan, if you’re able to locate a 25 12 months loan with cheaper expenses and a reduced rate of interest. Understand that many any fixed-rate loan enables you to speed up the key re payment in your loan, in order to remove a 30-year loan and work out a payment which will spend from the payday loans Hawaii loan in 22 years.

It’s possible it easier to make accelerated payments when it is the required payment you see listed on your monthly YOURgage statement, but committing to the higher payment that comes with a shorter-term loan is not without risk that you will find. advises you to definitely be careful about investing in a reduced term loan, particularly for you to comfortably make your mortgage payment if it takes two incomes. Few individuals have a rainy-day fund accumulated with sufficient cash to cover their home loan repayments (as well as other bills) if you have a job-loss or an interruption that is unexpected earnings. In the event that you make only the required monthly payment if you have a longer term loan and, therefore, a smaller monthly payment, you can over pay on the principal when you can afford to do so, but are not at risk of defaulting on your loan. Having said that, invest the a reduced term loan, so that you can spend the loan off sooner and minimize your long-lasting expenses, you need to result in the greater re re payment each and every thirty days, or place your house in danger.


Quicken Loans’ YOURgage gives you a method to adjust the size of your home mortgage together with size of one’s re payment to match your needs that are specific. While customizing that loan may gain you, ensure that you check around to see just what other home loans can be obtained and compare the expenses of all of the your choices that are available. Consider the interest levels, the expenses from the loan, how long that your particular loan provider is locking in your rate, in addition to loan provider’s general track record of reliability and honesty.