Scott has 15 years of mortgage lending experience as a loan officer. Being licensed federally and state wide, he has been trained to determine the best loan program for your needs. In addition to experience and training, he is a specialist in working with first time homebuyers. Scott specializes in the state bond program OHFA, the City of Columbus ADDI grant, the Franklin County grant, the Ohio Trust Fund grant and more.
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The decision to buy a home is a big one - and naturally you want to make sure it's done right.
With this handy homebuying guide and our expert loan officers at your disposal, Premier Nationwide Lending is here to help you do just that.
Before you start searching for a home, sit down with your family members and create a comprehensive plan.
Why do you want to own a home?
What can you afford to pay each month?
Where will you buy?
What lender and real estate agent will you work with?
Narrow down a list of vendors, and work together to create a budget.
With this handy homebuying guide and our expert loan officers at your disposal, Premier Nationwide Lending is here to help you do just that.
Before you start searching for a home, sit down with your family members and create a comprehensive plan.
Why do you want to own a home?
What can you afford to pay each month?
Where will you buy?
What lender and real estate agent will you work with?
Narrow down a list of vendors, and work together to create a budget.
Whether you're looking to lower your monthly payment or shorten your loan term, refinancing with Premier can help.
Refinancing your mortgage loan has serious financial benefits, from lowering your monthly payment to decreasing the interest you pay - both now and over the life of your loan.
If mortgage prices are falling or your home has appreciated in market value, refinancing may be a good financial choice for your household.
In a falling mortgage interest rate environment, refinancing can help you lower your monthly payment or shorten the term of your loan.
Refinancing your mortgage loan has serious financial benefits, from lowering your monthly payment to decreasing the interest you pay - both now and over the life of your loan.
If mortgage prices are falling or your home has appreciated in market value, refinancing may be a good financial choice for your household.
In a falling mortgage interest rate environment, refinancing can help you lower your monthly payment or shorten the term of your loan.
A fixed rate mortgage is a mortgage loan that has a set interest rate for the entire life of the loan.
It does not fluctuate with market changes and can only be altered through a refinance.
Fixed rate mortgages are typically slightly higher than adjustable rate mortgages because they offer consistency and protection from inflation.
In most of the U.S., the 2021 maximum conforming loan limit (CLL) for one-unit properties will be $548,250.
Eligibility for a fixed rate mortgage depends on your debt-to-income ratio, credit score, financial history, employment status, and other details, as well as the exact loan type you choose.
It does not fluctuate with market changes and can only be altered through a refinance.
Fixed rate mortgages are typically slightly higher than adjustable rate mortgages because they offer consistency and protection from inflation.
In most of the U.S., the 2021 maximum conforming loan limit (CLL) for one-unit properties will be $548,250.
Eligibility for a fixed rate mortgage depends on your debt-to-income ratio, credit score, financial history, employment status, and other details, as well as the exact loan type you choose.
An adjustable rate mortgage (ARM) is a mortgage loan that may vary in monthly payment and interest rate depending on a change in an index.
Typically, the initial rate is lower compared to a fixed rate mortgage, so for many borrowers, it could make homeownership more affordable.
The risk of fluctuating monthly payments may be reduced with annual interest and lifetime interest cap ceilings.
Eligibility for an adjustable rate mortgage depends on the exact loan product you've selected as well as a number of parameters, including your debt-to-income ratio, credit score, income, employment status, and more.
Typically, the initial rate is lower compared to a fixed rate mortgage, so for many borrowers, it could make homeownership more affordable.
The risk of fluctuating monthly payments may be reduced with annual interest and lifetime interest cap ceilings.
Eligibility for an adjustable rate mortgage depends on the exact loan product you've selected as well as a number of parameters, including your debt-to-income ratio, credit score, income, employment status, and more.
A VA loan is a mortgage loan that is backed by the U.S. Department of Veterans Affairs, or VA.
It is available to military service members, veterans, and their immediate family members.
The VA loan program is the most powerful home loan option on the market for veterans, service members, and military families.
These flexible, government-backed loans come with significant benefits that open the doors of homeownership to veterans who might otherwise struggle to obtain financing.
Spouses of deceased service members who died in the line of duty are also eligible to apply for a VA loan.
It is available to military service members, veterans, and their immediate family members.
The VA loan program is the most powerful home loan option on the market for veterans, service members, and military families.
These flexible, government-backed loans come with significant benefits that open the doors of homeownership to veterans who might otherwise struggle to obtain financing.
Spouses of deceased service members who died in the line of duty are also eligible to apply for a VA loan.
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