My promise is to guide you through the information and to help you make an informed decision that will keep your life worry-free. Buying a Home? These days it's all about getting the "correct" loan for your situation. Together, we will develop a personalized loan that will give you peace of mind and a plan to follow when the speed-bumps in life come along.
Curious about Refinancing? I can explain the process and what you can expect from it. The benefits of refinancing include a reduced interest rate and monthly payment, and possibly a plan to help you pay down your balance more quickly. Looking to Leverage Your Home's Equity The equity that built up over years of home mortgage payments can be paid to you.
Curious about Refinancing? I can explain the process and what you can expect from it. The benefits of refinancing include a reduced interest rate and monthly payment, and possibly a plan to help you pay down your balance more quickly. Looking to Leverage Your Home's Equity The equity that built up over years of home mortgage payments can be paid to you.
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How comfortable you are with the possibility your mortgage payment may change in the future.
When considering loan programs, the first decision is usually if you prefer a fixed rate mortgage or adjustable rate mortgage.
For example, a 15-year fixed rate mortgage can save you thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher.
An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could increase when the interest rate changes.
When considering loan programs, the first decision is usually if you prefer a fixed rate mortgage or adjustable rate mortgage.
For example, a 15-year fixed rate mortgage can save you thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher.
An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could increase when the interest rate changes.
Credit reporting agencies maintain files on millions of borrowers.
Lenders making credit decisions buy credit reports on their prospects, applicants and customers from the credit reporting agencies.
Your report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you.
Your credit report lists what types of credit you use, the length of time your accounts have been open, and whether you've paid your bills on time.
It tells lenders how much credit you've used and whether you're seeking new sources of credit.
Lenders making credit decisions buy credit reports on their prospects, applicants and customers from the credit reporting agencies.
Your report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you.
Your credit report lists what types of credit you use, the length of time your accounts have been open, and whether you've paid your bills on time.
It tells lenders how much credit you've used and whether you're seeking new sources of credit.
Mortgage related calculators are a great way to prepare for a worry-free real estate transaction.
If you need assistance in understanding how to use these calculators, feel free to call or email.
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several months or years of payments.
This calculator will help you to determine your savings if you make larger monthly payments.
If you need assistance in understanding how to use these calculators, feel free to call or email.
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several months or years of payments.
This calculator will help you to determine your savings if you make larger monthly payments.
Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on.
If you made a deposit to the seller to show that you are serious about buying the house, bring a copy of canceled deposit check on house.
If you have no established credit history, supply the lender with canceled checks for rent, utilities and other recurring obligations to show payment history and amount of revolving debt.
Lenders may also ask you about the origin of your downpayment.
If you made a deposit to the seller to show that you are serious about buying the house, bring a copy of canceled deposit check on house.
If you have no established credit history, supply the lender with canceled checks for rent, utilities and other recurring obligations to show payment history and amount of revolving debt.
Lenders may also ask you about the origin of your downpayment.
This website provides a great property search, but you still need to come back and search again and again to stay on top of the market.
Now there's a better way.
Sign up for the Dream Home Finder service and let someone else do the tedious research for you.
No obligation and no cost.
When new listings come to market that match your needs, you will either get a call or an email, whichever you prefer.
Now there's a better way.
Sign up for the Dream Home Finder service and let someone else do the tedious research for you.
No obligation and no cost.
When new listings come to market that match your needs, you will either get a call or an email, whichever you prefer.
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