A Team of Professionals & All the Information Necessary to Make an Informed Mortgage Decision in Western NY. My name is, Ron Fronckowiak, your Local Mortgage Expert. I want to thank you for taking the time to visit my website where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current home.
I am extensively experienced in all mortgage types - Conventional, FHA, USDA, VA, Construction, etc. I serve the entire Western NY area as well as any real property in the State of New York - residential or commercial.
If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property, or looking to refinance, you will find that this site will be a complete resource full of helpful tips that will allow you to choose the loan program best suited to your financial needs.
I make it fast and easy for all kinds of borrowers - including first-time homebuyers, seasoned homeowners looking to upsize or downsize, and borrowers with less-than-perfect credit - to get the loan you need for the home you want!
I am extensively experienced in all mortgage types - Conventional, FHA, USDA, VA, Construction, etc. I serve the entire Western NY area as well as any real property in the State of New York - residential or commercial.
If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property, or looking to refinance, you will find that this site will be a complete resource full of helpful tips that will allow you to choose the loan program best suited to your financial needs.
I make it fast and easy for all kinds of borrowers - including first-time homebuyers, seasoned homeowners looking to upsize or downsize, and borrowers with less-than-perfect credit - to get the loan you need for the home you want!
Services
I am a life-long resident of Western NY, growing up and eventually purchasing a home in West Seneca with my wife, Rachel, and our two dogs, Chiclet & Chelsea.
In 2000, we built a home in Lancaster and now have, Jasmine (a Chihuahua/Toy Fox Terrier mix) and Aurora (a Jack Russell/Chihuahua mix), to help me here in the office.
I am a self-taught chef that all began when we bet our wives we could prepare a fine dinner feast (which they didn't think we could do).
Something tells me they knew exactly what they were doing!
In 2000, we built a home in Lancaster and now have, Jasmine (a Chihuahua/Toy Fox Terrier mix) and Aurora (a Jack Russell/Chihuahua mix), to help me here in the office.
I am a self-taught chef that all began when we bet our wives we could prepare a fine dinner feast (which they didn't think we could do).
Something tells me they knew exactly what they were doing!
How Much Will My Payment Be? Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
Mortgage Principal Calculator This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.
Payment per $1,000 Financed Have you ever wondered how much you pay for every $1,000 of your mortgage loan?
Find out here!
Interest-Only with Additional Payments Calculator Interest-Only loans can drastically cut your mortgage payments, but what if you want to pay something toward your principal?
Mortgage Principal Calculator This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.
Payment per $1,000 Financed Have you ever wondered how much you pay for every $1,000 of your mortgage loan?
Find out here!
Interest-Only with Additional Payments Calculator Interest-Only loans can drastically cut your mortgage payments, but what if you want to pay something toward your principal?
Thank you so much for your help in buying our first home.
We appeciate all the time you took in helping us through the process and walking us through, step-by-step.
Count on our referral to friends and family.
Thank you for helping so much with this whole process.
I know we threw a lot of questions at you and you were always very patient and helpful.
We will definitely pass your information along to anyone we know looking for mortgage assistance in NY.
You made everything so much easier than if we had tried to do it ourselves.
We appeciate all the time you took in helping us through the process and walking us through, step-by-step.
Count on our referral to friends and family.
Thank you for helping so much with this whole process.
I know we threw a lot of questions at you and you were always very patient and helpful.
We will definitely pass your information along to anyone we know looking for mortgage assistance in NY.
You made everything so much easier than if we had tried to do it ourselves.
Every time you ask a lender for credit, whether you're opening a store account or applying for a 30-year mortgage, they're going to review your credit report.
The lender will look at your total credit score, your past ability to make payments on time and your current debt load.
They do this to determine not only your suitability as a borrower, but also what kind of interest rate they'll charge you.
To secure credit and a good interest rate, you need what's called a "lender-friendly" credit score.
The lender will look at your total credit score, your past ability to make payments on time and your current debt load.
They do this to determine not only your suitability as a borrower, but also what kind of interest rate they'll charge you.
To secure credit and a good interest rate, you need what's called a "lender-friendly" credit score.
Don't buy or lease an auto!
Lenders look carefully at your debt-to-income ratio.
A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
Don't move assets from one bank account to another!
These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account.
The lender can verify each account as it currently exists.
You can consolidate your accounts later if you need to.
Lenders look carefully at your debt-to-income ratio.
A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
Don't move assets from one bank account to another!
These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account.
The lender can verify each account as it currently exists.
You can consolidate your accounts later if you need to.
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