Mortgages made easy is key to my business. If someone wants to apply for their first mortgage, VA loan, FHA loan, or conventional mortgage; I want the process to be simple and smooth for them. Purchasing a home doesn't need to be intimidating or confusing. Everyone has questions during the home buying process, and while my first job is to be a mortgage lender you can trust, I also want to lay out a plan for your future homes purchases.
Does getting a fixed rate mortgage make sense for you based upon your goals? Can you utilize assistance programs that help first time home buyers qualify for a mortgage? How does current interest rates impact your mortgage payments? These are just a snapshot of the questions I help answer during our meetings as we lay out your plan and find the appropriate mortgage that matches your goals now and in the future.
I pride myself on being my customers' "lender for life". Please research how my clients have reviewed me on both Google and Facebook to know what kind of service you can expect.
Does getting a fixed rate mortgage make sense for you based upon your goals? Can you utilize assistance programs that help first time home buyers qualify for a mortgage? How does current interest rates impact your mortgage payments? These are just a snapshot of the questions I help answer during our meetings as we lay out your plan and find the appropriate mortgage that matches your goals now and in the future.
I pride myself on being my customers' "lender for life". Please research how my clients have reviewed me on both Google and Facebook to know what kind of service you can expect.
Services
How much house can I afford is usually the first question people ask themselves when they start searching for homes in Urbandale.
Our free mortgage calculator is a great way figure out how much house you can afford by adjusting either the purchase price or amount of your down payment to see how that affects your monthly payments.
Everyone always thinks about their monthly mortgage payment, but forget to include things like taxes, mortgage insurance, and homeowner's insurance.
Also, another factor to consider is how much of a down payment you will be putting towards your mortgage.
Our free mortgage calculator is a great way figure out how much house you can afford by adjusting either the purchase price or amount of your down payment to see how that affects your monthly payments.
Everyone always thinks about their monthly mortgage payment, but forget to include things like taxes, mortgage insurance, and homeowner's insurance.
Also, another factor to consider is how much of a down payment you will be putting towards your mortgage.
You may have heard that inflation is on the rise - and that's important because inflation drives interest rates.
You see, inflation erodes the buying power of the fixed return that a mortgage holder receives.
So, in order to be compensated for that more rapid rate of erosion, interest rates oftentimes rise.
This means that over the summer, we could see a rise in mortgage rates.
That's why now could be an opportune time for you to buy a home before a potential rise in rates later this year.
This is also why it may be worthwhile to bid a little more on a home today to ensure your offer is accepted, rather than waiting and ending up with a little bit higher interest rate.
You see, inflation erodes the buying power of the fixed return that a mortgage holder receives.
So, in order to be compensated for that more rapid rate of erosion, interest rates oftentimes rise.
This means that over the summer, we could see a rise in mortgage rates.
That's why now could be an opportune time for you to buy a home before a potential rise in rates later this year.
This is also why it may be worthwhile to bid a little more on a home today to ensure your offer is accepted, rather than waiting and ending up with a little bit higher interest rate.
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