Whether you're a first time home buyer, or have done this before - our team is ready to assist with your home financing needs. My name is Tim and I have been in the industry for 6 years with most of that time spent as a Mortgage Underwriter analyzing credit and calculating income for the top lenders. As your Loan Officer, I am committed to making the lending process as clear and simple as possible.
My mission is to serve my customers with honesty, integrity, and competence. I take the time to educate my clients about home financing and set proper expectations so that there are no surprises. Buying a house is a BIG DEAL - it may be the biggest financial decision you'll make and being prepared with the knowledge, options and understanding can help any stage of buyer with an enjoyable process and confidence in their decision making.
This is why it is so it's important to work with a trusted and experienced Loan Officer that you can count on day and night! At In-House Mortgage, we offer a variety of loan programs to fit your home financing needs which include Conventional, Jumbo, FHA, VA, USDA, and 203K Renovation.
My mission is to serve my customers with honesty, integrity, and competence. I take the time to educate my clients about home financing and set proper expectations so that there are no surprises. Buying a house is a BIG DEAL - it may be the biggest financial decision you'll make and being prepared with the knowledge, options and understanding can help any stage of buyer with an enjoyable process and confidence in their decision making.
This is why it is so it's important to work with a trusted and experienced Loan Officer that you can count on day and night! At In-House Mortgage, we offer a variety of loan programs to fit your home financing needs which include Conventional, Jumbo, FHA, VA, USDA, and 203K Renovation.
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Need financing options on a home, or other real estate?
Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49."
This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49."
This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
Need refinancing options on a home, or other real estate?
Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
Refinancing is the process of paying off your existing mortgage with a new mortgage.
Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage.
You may also refinance to take cash out from your home's equity.
Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
Refinancing is the process of paying off your existing mortgage with a new mortgage.
Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage.
You may also refinance to take cash out from your home's equity.
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