We make getting a Home Loan simple so you can spend less time worrying about Mortgages and more time buying your Dream Home. We make every effort to guide you throughout the Mortgage process so you are Informed of the best options available for you. We can help you Refinance your Home so you can get a lower Interest Rate on your Loan or even get Cash back.
Services
We believe that life is all about the journey.
Buying a home is the start of an exciting beginning that leads to financial independence and personal fulfillment.
However making the right choice isn't so obvious.
We help by making the loan process simple and easy to understand so that getting a loan or refinance is just another step in reaching your goals.
We get you the best rate on your loan, period.
Because we are mortgage brokers we are not held to the restrictive rates that banks and other lenders offer.
Buying a home is the start of an exciting beginning that leads to financial independence and personal fulfillment.
However making the right choice isn't so obvious.
We help by making the loan process simple and easy to understand so that getting a loan or refinance is just another step in reaching your goals.
We get you the best rate on your loan, period.
Because we are mortgage brokers we are not held to the restrictive rates that banks and other lenders offer.
Buying a home can be a daunting process.
It is your biggest investment as well as your largest debt.
Thus the home buying process can easily be one of the most exciting, as well as the most stressful, times of your life.
So how do you go about it all?
Do you Find the house first then look for a mortgage?
Do you look on your own or with a real estate agent?
Fortunately, we have created this home buyer guide to help you organizes, and ultimately, achieve your goal of owning your own home.
There is a lot to consider when buying a home such as how much you can afford, what type of house you want, and what mortgages you qualify for.
It is your biggest investment as well as your largest debt.
Thus the home buying process can easily be one of the most exciting, as well as the most stressful, times of your life.
So how do you go about it all?
Do you Find the house first then look for a mortgage?
Do you look on your own or with a real estate agent?
Fortunately, we have created this home buyer guide to help you organizes, and ultimately, achieve your goal of owning your own home.
There is a lot to consider when buying a home such as how much you can afford, what type of house you want, and what mortgages you qualify for.
Loan pre-approval (or Pre-qualification) occurs before the loan process can begin.
The lender gathers information about your income and debts, and makes a financial determination about how expensive a home you may be able to afford.
It's a good idea to know what price range you can afford before you start shopping for a home!
If you are refinancing the loan on your existing home, then the prequalification process should help you decide whether refinancing is a good idea for you.
The application is the beginning of the loan process and either occurs after you have found a property you want to buy or have determined that you wish to refinance the loan on your existing home.
The lender gathers information about your income and debts, and makes a financial determination about how expensive a home you may be able to afford.
It's a good idea to know what price range you can afford before you start shopping for a home!
If you are refinancing the loan on your existing home, then the prequalification process should help you decide whether refinancing is a good idea for you.
The application is the beginning of the loan process and either occurs after you have found a property you want to buy or have determined that you wish to refinance the loan on your existing home.
In a perfect world, home buyers would have all the money they need to purchase their dream home upfront.
Most of the time though this isn't the case.
That is where mortgages come in.
The idea behind getting a mortgage is fairly straightforward.
A home buyer wants to purchase a home but does not have all the money needed to complete the transaction.
Rather than having to wait and save, home buyers will then go to a mortgage broker, bank, or lender to borrow the rest of the money needed to purchase their home.
Most of the time though this isn't the case.
That is where mortgages come in.
The idea behind getting a mortgage is fairly straightforward.
A home buyer wants to purchase a home but does not have all the money needed to complete the transaction.
Rather than having to wait and save, home buyers will then go to a mortgage broker, bank, or lender to borrow the rest of the money needed to purchase their home.
When it comes to shopping around for mortgages, conventional loans are a good option to look into for borrowers with good credit and a stable income.
They do have stricter requirements than other loan types, however, if you qualify than a conventional loan can be a great tool to purchase your home.
Conventional loans are mortgages that are not insured or guaranteed by the federal government.
Unlike FHA or VA loans that are government insured, conventional mortgages are not which puts the lender at risk in case the borrower defaults on their loan.
They do have stricter requirements than other loan types, however, if you qualify than a conventional loan can be a great tool to purchase your home.
Conventional loans are mortgages that are not insured or guaranteed by the federal government.
Unlike FHA or VA loans that are government insured, conventional mortgages are not which puts the lender at risk in case the borrower defaults on their loan.
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