George was always available by phone to answer our many first time buyer questions. The process was smooth, and George did a great job explaining our loan options, and found us the best loan to fit our needs and personal situation. We are so happy to have a new home, within our budget, and thankful to George for his expertise in the loan process. George is a true trustworthy expert!
George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Services
No doubt, quite a lot to do when you get a mortgage.
You wouldn't be here on our site if you could fill out a one-page mortgage application and receive a great loan funded the same day.
We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
You wouldn't be here on our site if you could fill out a one-page mortgage application and receive a great loan funded the same day.
We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
Compare Rates - See how changes in your rate affect your payment for a given principal and term.
Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term.
Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM.
Mortgage Qualifier - Find out if you qualify for a given mortgage and just how much you can afford, then create an amortization schedule.
Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term.
Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM.
Mortgage Qualifier - Find out if you qualify for a given mortgage and just how much you can afford, then create an amortization schedule.
Lots of buyers qualify for various loan programs, but they don't have a large sum of cash to pay the standard down payment.
Want to look into getting a new home, but aren't sure how you should get together your down payment?
Tighten your belt and save.
Turn your budget inside out to discover extra money to go toward your down payment.
There are bank programs in which a specific portion of your paycheck is automatically deposited into savings every pay period.
Some practical ways to save additional funds include moving into a residence that is less expensive, and skipping your vacation for a year or two.
Want to look into getting a new home, but aren't sure how you should get together your down payment?
Tighten your belt and save.
Turn your budget inside out to discover extra money to go toward your down payment.
There are bank programs in which a specific portion of your paycheck is automatically deposited into savings every pay period.
Some practical ways to save additional funds include moving into a residence that is less expensive, and skipping your vacation for a year or two.
Lenders use a ratio called "debt to income" to determine the most you can pay monthly after you've paid your other recurring loans.
For the most part, underwriting for conventional mortgages requires a qualifying ratio of 28/36.
An FHA loan will usually allow for a higher debt load, reflected in a higher (29/41) ratio.
The first number is the percentage of your gross monthly income that can go toward housing.
This ratio is figured on your total payment, including hazard insurance, homeowners' dues, PMI - everything.
For the most part, underwriting for conventional mortgages requires a qualifying ratio of 28/36.
An FHA loan will usually allow for a higher debt load, reflected in a higher (29/41) ratio.
The first number is the percentage of your gross monthly income that can go toward housing.
This ratio is figured on your total payment, including hazard insurance, homeowners' dues, PMI - everything.
Before lenders decide to give you a loan, they have to know if you're willing and able to repay that loan.
To figure out your ability to repay, lenders look at your debt-to-income ratio.
To assess your willingness to repay, they use your credit score.
Credit scores only assess the information in your credit reports.
They do not consider income, savings, amount of down payment, or demographic factors like sex ethnicity, national origin or marital status.
Fair Isaac invented FICO specifically to exclude demographic factors.
To figure out your ability to repay, lenders look at your debt-to-income ratio.
To assess your willingness to repay, they use your credit score.
Credit scores only assess the information in your credit reports.
They do not consider income, savings, amount of down payment, or demographic factors like sex ethnicity, national origin or marital status.
Fair Isaac invented FICO specifically to exclude demographic factors.
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