The United American Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, my highly experienced team of mortgage bankers can help make your dreams come true.
My ultimate goal is to create lasting relationships with each of MY clients so that I may continue providing excellent service for many years to come. Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.
Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you. Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment.
My ultimate goal is to create lasting relationships with each of MY clients so that I may continue providing excellent service for many years to come. Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.
Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you. Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment.
Services
We pride ourselves on providing superior customer service and creating satisfied customers.
We work hard to satisfy the mortgage needs and exceed the expectations of our customers.
Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
In a rush?
We welcome you to try our mortgage calculators!
The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.
We work hard to satisfy the mortgage needs and exceed the expectations of our customers.
Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
In a rush?
We welcome you to try our mortgage calculators!
The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.
With a fixed rate mortgage, the interest rate does not change for the term of the loan; the monthly payment is always the same.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community.
Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans.
Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community.
Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans.
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