The Tilikum Loan Team story starts with a variety of backgrounds coming together to provide the best service possible. JD, Derick and Toby all bring unique qualities to the mortgage industry. JD has worked for more than 15 years to help families with blemished credit achieve their goals. He knows how to build pathways to success and implement credit recovery plans that turn dreams into reality.
Derick brings more than 11 years of direct mortgage experience, and, having gone through the market crash of 2008, specializes in closing loans and finding clever and creative ways to cross the finish line. Toby brings more than a decade of leadership skills that include marketing, management and loan origination experience. His passion for getting families in homes is unwavering, and Toby uses his leadership skills to build stronger communities through homeownership.
The Tilikum Loan Team is here to help. Contact any one of them to begin your purchase or refinance experience.
Derick brings more than 11 years of direct mortgage experience, and, having gone through the market crash of 2008, specializes in closing loans and finding clever and creative ways to cross the finish line. Toby brings more than a decade of leadership skills that include marketing, management and loan origination experience. His passion for getting families in homes is unwavering, and Toby uses his leadership skills to build stronger communities through homeownership.
The Tilikum Loan Team is here to help. Contact any one of them to begin your purchase or refinance experience.
Services
Buying a home is one of the biggest financial decisions a person can make and it is important to trust a Mortgage Planner to help you with the process.
Mortgage Planners at Fairway Independent Mortgage Corporation take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.
Not only are we committed to truly listening to your needs, we will also communicate at every step of the process, answering all questions you may have and making you feel very comfortable in your decisions.
Mortgage Planners at Fairway Independent Mortgage Corporation take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.
Not only are we committed to truly listening to your needs, we will also communicate at every step of the process, answering all questions you may have and making you feel very comfortable in your decisions.
Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments*, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies.
Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the value of the home.
You can reduce the interest rate (and, therefore, interest costs) by financing at a lower rate.
This is a primary reason for refinancing.
Depending on the circumstances, you can save a lot of money!.
Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the value of the home.
You can reduce the interest rate (and, therefore, interest costs) by financing at a lower rate.
This is a primary reason for refinancing.
Depending on the circumstances, you can save a lot of money!.
2. I will look at your overall financial picture and talk to you about your goals for the future to find the loan that is right for you.
There are many loans and programs that might be best for you.
When we meet and talk about your financial objectives, we will determine which program is best suited for your needs.
I will explain lending in the simplest terms and show you various scenarios and how they may benefit you.
There are many loans and programs that might be best for you.
When we meet and talk about your financial objectives, we will determine which program is best suited for your needs.
I will explain lending in the simplest terms and show you various scenarios and how they may benefit you.
If you are planning to borrow $510,400 or less for a single-family home, you should be looking into a conforming conventional loan.
Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the guidelines set forth by Fannie Mae and Freddie Mac.
These established guidelines usually call for a minimum credit score, certain income requirements, and a minimum down payment (generally between 3% and 20%).
Conventional home mortgage loans have either fixed or adjustable rates.
Conventional conforming loans are not made by a government entity, like FHA and VA loans, but instead follow the guidelines set forth by Fannie Mae and Freddie Mac.
These established guidelines usually call for a minimum credit score, certain income requirements, and a minimum down payment (generally between 3% and 20%).
Conventional home mortgage loans have either fixed or adjustable rates.
If you have credit challenges, an FHA loan may be the right answer for you, especially if you have been through a foreclosure or bankruptcy.
These loans usually have higher debt ratio allowances, which can make a difference when you have steady income but have debt from college loans, credit cards, etc.
This FHA insurance allows lenders such as Fairway to provide home loans with down payments as low as 3.5% of the purchase price.
The less restrictive guidelines allow borrowers who may not qualify for a conventional loan to refinance and consolidate debts into a low, fixed-rate loan.
These loans usually have higher debt ratio allowances, which can make a difference when you have steady income but have debt from college loans, credit cards, etc.
This FHA insurance allows lenders such as Fairway to provide home loans with down payments as low as 3.5% of the purchase price.
The less restrictive guidelines allow borrowers who may not qualify for a conventional loan to refinance and consolidate debts into a low, fixed-rate loan.
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