The Josh McCarthy - Loan Depot Team is your premiere mortgage team located in Woodbury, MN. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the MN area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help you take that first step toward a financial solution.
We have been dedicated to providing easy and affordable mortgage services and solutions for over 20 years and have continued to meet BBB accreditation standards, achieving an A+ rating and consistently ranking among the highest in overall customer satisfaction among MN mortgage companies. Call us and we can provide some very good insight on what to expect and what the lender expectations are while obtaining a home loan.
Veterans and active-duty service members have access to great programs for both purchases and refinances.
We have been dedicated to providing easy and affordable mortgage services and solutions for over 20 years and have continued to meet BBB accreditation standards, achieving an A+ rating and consistently ranking among the highest in overall customer satisfaction among MN mortgage companies. Call us and we can provide some very good insight on what to expect and what the lender expectations are while obtaining a home loan.
Veterans and active-duty service members have access to great programs for both purchases and refinances.
Services
Josh McCarthy is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.
He will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Josh can help you find the right loan program at the lowest rate no matter what your needs are.
The goal here is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
He will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Josh can help you find the right loan program at the lowest rate no matter what your needs are.
The goal here is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
Refinancing a mortgage is when a borrower gets a better interest rate and/or loan term.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (651) 208-2037.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (651) 208-2037.
One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
A VA Loan is Designed to offer long-term financing to veterans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits.
Rates on jumbo loans are typically higher than conforming loans.
Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
Typically Jumbo Loans require a higher down payment than traditional loans.
Rates on jumbo loans are typically higher than conforming loans.
Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
Typically Jumbo Loans require a higher down payment than traditional loans.
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