With over 20 lender relationships and dozens of programs we can offer a loan solution that feels like it was designed with you in mind. Whether you are seeking to purchase your first home or refinance your last home, we can guide you on the options available to achieve your dream. Our team is experienced and dependable but most importantly, we care about your home buying experience.
By providing step-by-step guidance through-out the process you won't be guessing what's next. Constant communication and expert advice is what gives you the power to stay one step ahead. Learn about the process to apply and qualify for a home mortgage, what is needed to prepare and how to find the perfect home. Learn about how you can use your home equity to pay down high interest debt, decrease your current monthly payment or cash out and use the funds for other obligations.
Learn about programs designed with your lifestyle in mind. First time home buyer, self-employed borrower or programs designed for certain professions.
By providing step-by-step guidance through-out the process you won't be guessing what's next. Constant communication and expert advice is what gives you the power to stay one step ahead. Learn about the process to apply and qualify for a home mortgage, what is needed to prepare and how to find the perfect home. Learn about how you can use your home equity to pay down high interest debt, decrease your current monthly payment or cash out and use the funds for other obligations.
Learn about programs designed with your lifestyle in mind. First time home buyer, self-employed borrower or programs designed for certain professions.
Services
We are a mortgage soltions company offering a unique portfolio of products and a consultant style service for our clients.
We provide our borrowers with the education they need and they options they deserve for homeownership.
Anchor Bay Financial offers a wide range of products and competitive pricing.
Our goal is simple, to make every buyer feel confident in their decision to buy or refinance.
Tina Christman started as a loan originator in 2004 after holding a background in Property & Casualty Insurance.
We provide our borrowers with the education they need and they options they deserve for homeownership.
Anchor Bay Financial offers a wide range of products and competitive pricing.
Our goal is simple, to make every buyer feel confident in their decision to buy or refinance.
Tina Christman started as a loan originator in 2004 after holding a background in Property & Casualty Insurance.
Below we can take an in-depth look at the beginning steps of the mortgage process.
The more you know about how the process works, the higher your chances are of approval.
The process of a home mortgage has many steps, the infographic below provides a simple guide to understanding the progression of your loan from application to closing.
Understanding the difference between a pre-qualification and pre-approval can help prevent issues down the road and ensure a smooth and easy transaction.
Without proper preparation, buyers could find themselves in a unnecessary stressful mortgage process or even worse, a mortgage denial.
The more you know about how the process works, the higher your chances are of approval.
The process of a home mortgage has many steps, the infographic below provides a simple guide to understanding the progression of your loan from application to closing.
Understanding the difference between a pre-qualification and pre-approval can help prevent issues down the road and ensure a smooth and easy transaction.
Without proper preparation, buyers could find themselves in a unnecessary stressful mortgage process or even worse, a mortgage denial.
You may be eligible to reduce your monthly payment by refinancing.
You can refinance into a lower interest rate or remove monthly mortgage insurance if your loan qualifies.
If you believe interest rates may be on the rise and you are in adjustable rate mortgage it may be time to refinance your loan into a fixed rate mortgage.
Consolidate multiple monthly payments into one easy low payment.
Credit cards often carry high interest rates and the interest on your mortgage is usually tax deductible.
You can also pay off other debts such as car payments, wedding debt or student loans to reduce your overall monthly expenses.
You can refinance into a lower interest rate or remove monthly mortgage insurance if your loan qualifies.
If you believe interest rates may be on the rise and you are in adjustable rate mortgage it may be time to refinance your loan into a fixed rate mortgage.
Consolidate multiple monthly payments into one easy low payment.
Credit cards often carry high interest rates and the interest on your mortgage is usually tax deductible.
You can also pay off other debts such as car payments, wedding debt or student loans to reduce your overall monthly expenses.
Determining how long you will live in the home may help determine whether to choose a fixed interest rate or an adjustable.
According to a 2011 study conducted by the American Housing Survey and published by the National Association of Home Builders, the average buyer is expected to stay in a single-family house 13 years before moving.
Life changes such as expanding family, job change, homeowners age (younger homeowners tend to upgrade earlier than older homeowners) all play a part in how long a buyer will stay in a home.
According to a 2011 study conducted by the American Housing Survey and published by the National Association of Home Builders, the average buyer is expected to stay in a single-family house 13 years before moving.
Life changes such as expanding family, job change, homeowners age (younger homeowners tend to upgrade earlier than older homeowners) all play a part in how long a buyer will stay in a home.
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