Through our cutting edge systems and dedicated focus on connections over transactions, our goal is to lead you through a simplified, streamlined, and personalized process from beginning to close, so you can achieve your dreams of owning your own home with ease. Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist.
Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal.
And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal.
And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
Services
Our mission is to serve our customers with honesty, integrity, and competence.
Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments that shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
Adjustable-rate mortgages include interest payments that shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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