We have one goal.
Provide a ridiculously amazing experience before, during and after the sale. Period!
Our Clients Median Yearly Interest Rate
We Achieve that Goal by Being
We understand it’s a competitive marketplace and when you are ready to make an offer on a home you need a customized approval letter and the confidence to make swift decisions. With our Easy-Offer process and 4-hour pre-approvals you’ll have the edge you need to compete and win.
With so much information out there about mortgages we make sure you understand all the options available and guide you in making the best choice for your individual needs. That means finding the best loan product, loan structure, terms and interest rate we can to achieve your personal homeownership goals.
We often get asked about how we can help.
Q: What's a mortgage and why should I get it here?
A: A mortgage is basically a simple loan that allows you to buy a home by securing the loan against the property you buy. You can read more about getting a mortgage with us by visiting our services page. You can apply for a mortgage from a bank or other financial institution, such as a credit union, or a Mortgage Broker Specialist. We are a Mortgage Broker. Although you can apply directly, we recommend consulting with one of our independent mortgage specialists prior to filling out an application so that we can help you find the deal that will be most beneficial for your interests!
Q: What types of mortgages are there?
A: There are many different kinds of mortgage to choose from. All of them have varying features and benefits. Some of the more common types include:
- Government Insured Mortgages (FHA and VA)
- Fixed interest rate mortgages
- Adjustable Rate Mortgages
- Reverse Mortgages
- Cash Out Loans
Q: How much can I borrow for a mortgage?
A: This depends on a number of factors. A generic rule of thumb is lenders will lend about 4.5 times your annual income or based on up to 45% of your monthly gross income. They will consider things such as any other sources of income from a second job, bonuses, tax credits, and maintenance payments. Since lending rules were tightened, they also increasingly investigate borrowers’ ability to repay. This means looking at your credit history and scoring it, your monthly outgoing debts and savings to help assess your ability to manage the payments.
Q: How much of a deposit do I need for a mortgage?
A: This will depend on your financial standing, the price of the property, taxes, insurance and your credit history. Assuming basic qualifications are met there are loan programs that will all as little as 3% Down and Government Programs that offer 100% Financing.