Our website is simply a tool. It is not used to take the place of hands-on, professional, expert advice that you deserve. It is one tool of many we use to provide the absolute best mortgage loan experience possible. When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.
Services
Our staff is amongst the most experienced staff in the state.
We pride ourselves on being highly knowledgeable professionals in our field keeping track of the ever changing landscape that is mortgage lending.
We find the perfect loan solution for every customer and a high percentage of our repeat customers and referrals says all you need to know about how our customers feel about us.
We are proud of not only surviving but thriving in a shrinking industry changing due to heavy regulation and government interference.
We pride ourselves on being highly knowledgeable professionals in our field keeping track of the ever changing landscape that is mortgage lending.
We find the perfect loan solution for every customer and a high percentage of our repeat customers and referrals says all you need to know about how our customers feel about us.
We are proud of not only surviving but thriving in a shrinking industry changing due to heavy regulation and government interference.
Make no mistake, there's quite a lot involved in oder to get a mortgage.
You would not be researching mortgage loans if it were possible to get a mortgage loan in a single day with a simple application.
But James M. Dix does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
A couple of factors determine this amount.
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 would not be researching mortgage loans if it were possible to get a mortgage loan in a single day with a simple application.
But James M. Dix does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
A couple of factors determine this amount.
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?
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Do you have a question?
We can help.
We guarantee your privacy.
By checking the box, you agree that James M. Dix may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
Do you have a question?
We can help.
We guarantee your privacy.
By checking the box, you agree that James M. Dix may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
You'll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised.
The easy answer to "why" is that federal law requires the lender to tell you both.
The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
The A.P.R. is designed to represent the "true cost of a loan" to the borrower, expressed in the form of a yearly rate.
This way, lenders can't "hide" fees and upfront costs behind low advertised rates.
The easy answer to "why" is that federal law requires the lender to tell you both.
The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
The A.P.R. is designed to represent the "true cost of a loan" to the borrower, expressed in the form of a yearly rate.
This way, lenders can't "hide" fees and upfront costs behind low advertised rates.
A rate "lock" or "commitment" is a promise from the lender to freeze a certain interest rate and a particular number of points for you for a certain period of time while your application is processed.
This means your interest rate cannot rise as you are working through the application process.
While there are several lengths of rate lock periods (from 15 to 60 days), the longer spans are typically more expensive.
A lender will agree to hold an interest rate and points for a longer period, like sixty days, but in exchange, the rate (and sometimes points) will be higher than that of a rate lock of fewer days.
This means your interest rate cannot rise as you are working through the application process.
While there are several lengths of rate lock periods (from 15 to 60 days), the longer spans are typically more expensive.
A lender will agree to hold an interest rate and points for a longer period, like sixty days, but in exchange, the rate (and sometimes points) will be higher than that of a rate lock of fewer days.
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