Having personally funded or directly overseen over $2 Billion of loans in the last 20 years there are few scenarios Sean has not encountered. Contact Sean today for the mortgage solution you need. When it comes to real estate financing, consumers often have more questions than answers and it's difficult to know who to trust for the best advice. This is an area where Sean excels.
By truly taking time to listen, understand and provide tailored solutions Sean sets his mortgage practice apart. Measuring the future impact of today's decisions sets the stage for a long term relationship with his clients.
By truly taking time to listen, understand and provide tailored solutions Sean sets his mortgage practice apart. Measuring the future impact of today's decisions sets the stage for a long term relationship with his clients.
Services
Your home isn't just a place to live; it's an investment for you and your family's future.
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.
We offer a wide variety of loan options to meet the unique needs of our customers.
We understand selecting the right loan product can be overwhelming; however, our mortgage professionals will provide tailored advice to help you make the best decision for you and your family.
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.
We offer a wide variety of loan options to meet the unique needs of our customers.
We understand selecting the right loan product can be overwhelming; however, our mortgage professionals will provide tailored advice to help you make the best decision for you and your family.
An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period.
After this introductory period, monthly payments are susceptible to increases or decreases based on market fluctuations, which can also affect the monthly payment.
An ARM might be the right option for you if you plan on moving within 7 years since they feature lower introductory interest rates.
If interest rates are expected to fall, a homeowner could potentially reduce their monthly payments with the lowered interest rates.
After this introductory period, monthly payments are susceptible to increases or decreases based on market fluctuations, which can also affect the monthly payment.
An ARM might be the right option for you if you plan on moving within 7 years since they feature lower introductory interest rates.
If interest rates are expected to fall, a homeowner could potentially reduce their monthly payments with the lowered interest rates.
Home loans insured by the Federal Housing Administration (FHA) can make it easier for you to qualify to purchase or refinance a home.
This loan option offers flexible qualification guidelines to help people who may not qualify for a conventional mortgage.
FHA's adjustable-rate mortgage (ARM) insures home purchases or refinances with rates that can change after the initial fixed-rate period.
Depending on market fluctuations after this initial fixed-rate period, your monthly payments could change due to rates increasing or decreasing.
This loan option offers flexible qualification guidelines to help people who may not qualify for a conventional mortgage.
FHA's adjustable-rate mortgage (ARM) insures home purchases or refinances with rates that can change after the initial fixed-rate period.
Depending on market fluctuations after this initial fixed-rate period, your monthly payments could change due to rates increasing or decreasing.
Fixed-rate mortgages protect you against rising rates since the interest rate remains the same for the entire term of the loan.
Plus, you have the flexibility of selecting a 10, 15, 20, 25 or 30-year term (depending on the loan type).
The main difference is the lower term options have higher monthly payments, which also means you are building home equity faster.
Keep in mind you can use equity as a down payment for a new home if you sell your existing home or take out equity with a cash-out refinance.
Plus, you have the flexibility of selecting a 10, 15, 20, 25 or 30-year term (depending on the loan type).
The main difference is the lower term options have higher monthly payments, which also means you are building home equity faster.
Keep in mind you can use equity as a down payment for a new home if you sell your existing home or take out equity with a cash-out refinance.
A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency.
In most areas of the country, the conventional conforming loan limit is $510,400; however, the limit is $765,600 in higher-cost areas.
If you have a low debt-to-income (DTI) ratio and a higher credit score, but you don't have enough funds to bring the loan amount under the conforming limit, a jumbo loan might be the right option for you.
In most areas of the country, the conventional conforming loan limit is $510,400; however, the limit is $765,600 in higher-cost areas.
If you have a low debt-to-income (DTI) ratio and a higher credit score, but you don't have enough funds to bring the loan amount under the conforming limit, a jumbo loan might be the right option for you.
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