Whether you are looking to purchase your first home, looking to move up into a bigger home, or looking to refinance. My Hometown Mortgage Corp. can make that happen. Knowing the facts are important. Take time to review our FAQ's and tools to help you get a start in what can be an exciting and affordable step in your life. A strong and genuine belief in the "customer for life" principle of doing business is what fuels My Hometown Mortgage.
With over 17 years of experience My Hometown Mortgage can offer you fast and friendly service. Making your first time home loan or refinance the most pleasant experience possible. It's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
With over 17 years of experience My Hometown Mortgage can offer you fast and friendly service. Making your first time home loan or refinance the most pleasant experience possible. It's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
Services
Jimmy Kerr is a proud and experienced veteran of the Mortgage business - originating mortgage loans for over 17 years.
Jimmy has expertise in all types of lending products, with a specialized focus in Conventional and Government fixed-rate Financing.
Prior to launching My Hometown Mortgage, Jimmy spent most of his career servicing the Pikeville and neighboring communities as a member of various larger financial institutions.
While the lending business was steady and his position was comfortable, Jimmy knew there was something else on the horizon - a way of doing business that would provide the ability to offer Eastern Kentucky the best and most cutting edge mortgage products on the market while putting equal emphasis on top-notch customer service; building lasting relationships with customers for years to come.
Jimmy has expertise in all types of lending products, with a specialized focus in Conventional and Government fixed-rate Financing.
Prior to launching My Hometown Mortgage, Jimmy spent most of his career servicing the Pikeville and neighboring communities as a member of various larger financial institutions.
While the lending business was steady and his position was comfortable, Jimmy knew there was something else on the horizon - a way of doing business that would provide the ability to offer Eastern Kentucky the best and most cutting edge mortgage products on the market while putting equal emphasis on top-notch customer service; building lasting relationships with customers for years to come.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then adjustable-rate loans are usually cheaper.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then adjustable-rate loans are usually cheaper.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
It's important to see your mortgage professional first.
Why?
What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
When we approve you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things.
It's short and to the point, and we keep the paperwork to a minimum!
Why?
What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
When we approve you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things.
It's short and to the point, and we keep the paperwork to a minimum!
This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the statement can be meaningfully and fairly presented on a combined basis; otherwise separate Statements and Schedules are required.
List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.
List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.
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