Welcome to DK Home Loans, I'm Allyson Knappenberger, your Arizona home loan expert dedicated to making sure your home purchase or refinance experience is top-notch. All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Allyson Knappenberger to receive a personalized rate for your specific situation.
Allyson and the people at the title company were awesome to work with. We will able to close on time (Allyson and the title company coming over to our house to complete the paperwork). Allyson and her team were absolutely fantastic. Purchasing a home and obtaining a mortgage long distance concerned me, but I had the opportunity to meet Allyson, discuss those concerns.
Every step of the process was flawless from the application through working with the escrow company to signing for the final sale. I strongly recommend Allyson to anyone looking to obtain a mortgage to purchase a home! Allyson helped our client qualify for her first home purchase.
Allyson and the people at the title company were awesome to work with. We will able to close on time (Allyson and the title company coming over to our house to complete the paperwork). Allyson and her team were absolutely fantastic. Purchasing a home and obtaining a mortgage long distance concerned me, but I had the opportunity to meet Allyson, discuss those concerns.
Every step of the process was flawless from the application through working with the escrow company to signing for the final sale. I strongly recommend Allyson to anyone looking to obtain a mortgage to purchase a home! Allyson helped our client qualify for her first home purchase.
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I have been in the financial industry for over fifteen years.
With an extensive background in both customer service and finance, I am committed to assisting you with the purchase or refinance of your home!
I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.
With an extensive background in both customer service and finance, I am committed to assisting you with the purchase or refinance of your home!
I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.
A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
The maximum limit for a conforming loan depends on the county and state you live in.
Conventional loans can be either Fixed or an adjustable rate.
Fixed-rate mortgages have a set interest rate for the entire length of the mortgage term which can be between 10 and 30 years.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
The maximum limit for a conforming loan depends on the county and state you live in.
Conventional loans can be either Fixed or an adjustable rate.
Fixed-rate mortgages have a set interest rate for the entire length of the mortgage term which can be between 10 and 30 years.
The FHA (Federal Housing Administration) home loan is one of several government-insured loans.
The FHA doesn't lend money directly to home buyers; they insure lenders against losses that may occur from client default.
Because of this, lenders have less strict requirements for borrowers.
One of the features borrowers enjoy the most is the low minimum down payment, which is typically less than the requirements for a conventional loan.
Additionally, your closing costs may be lower than a conventional loan.
The FHA doesn't lend money directly to home buyers; they insure lenders against losses that may occur from client default.
Because of this, lenders have less strict requirements for borrowers.
One of the features borrowers enjoy the most is the low minimum down payment, which is typically less than the requirements for a conventional loan.
Additionally, your closing costs may be lower than a conventional loan.
Fixed-rate mortgages are probably the most common type of mortgage.
You are able to lock into a set interest rate which results in monthly mortgage payments that remain the same for the entire life of the loan.
A fixed-rate mortgage (FRM) is a type of mortgage with a specific rate term.
A fixed-rate mortgage has a fixed interest rate for the entire length of the mortgage term.
These mortgages are typically available in 5 year increments between 10 and 30 year terms.
The 30-year fixed rate mortgage is the most common type of mortgage people take out.
You are able to lock into a set interest rate which results in monthly mortgage payments that remain the same for the entire life of the loan.
A fixed-rate mortgage (FRM) is a type of mortgage with a specific rate term.
A fixed-rate mortgage has a fixed interest rate for the entire length of the mortgage term.
These mortgages are typically available in 5 year increments between 10 and 30 year terms.
The 30-year fixed rate mortgage is the most common type of mortgage people take out.
If you're looking to buy an expensive home and need a large loan amount, a Jumbo Mortgage could be the right option for you.
Jumbo Mortgages exceed the conforming limit on loans set by Fannie Mae and Freddie Mac.
In most states, the conforming limit is around $453,100, but varies by location.
Other areas that are specified to have a higher cost of living have a higher conforming limit of about $679,650.
If you are looking to purchase a home and would like a loan amount greater than the conforming limit for your area, it's likely that you will want to apply for a Jumbo Mortgage.
Jumbo Mortgages exceed the conforming limit on loans set by Fannie Mae and Freddie Mac.
In most states, the conforming limit is around $453,100, but varies by location.
Other areas that are specified to have a higher cost of living have a higher conforming limit of about $679,650.
If you are looking to purchase a home and would like a loan amount greater than the conforming limit for your area, it's likely that you will want to apply for a Jumbo Mortgage.
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