In today's changing mortgage market it is important to work with a lender that is familiar with the local area and is a professional in their field. The mortgage broker industry is very unregulated and it is easy to wind up working with a loan officer that may have little experience or education in the home loan arena. A good broker will save you money in the short and long term. Remember: when loan shopping, there is so much more to look for than just the best rate. In our experience, having worked with hundreds of buyers, the best mortgage professionals can provide you with the best product for your needs and keep the process smooth and pain-free all the way to the closing table.
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Getting pre-approval from a bank or other financial institution is imperative before beginning the search for a home. It is important to understand the price range you're able to afford and specific aspects of your financial situation that may determine your eligibility...MORE
Find out how much your mortgage is going to be a month or every two weeks. Also find out how much you will need to put as a down payment...MORE
Financing is a key factor in real estate investments. Mortgage rates, prime interest rates and other factors regarding the mortgage or home loan will all help to decide whether or not the potential real estate investor is capable of obtaining a property, whether for their primary residence or as a rental investment. All of these investment variables are directly related to financing...MORE
A FICO score is a credit score developed by Fair Isaac & Company to help lenders determine the risk involved in lending money to any person applying for a loan. It is widely accepted by lenders as one of the most important components helping determine eligibility as well as specific amounts, rates and terms that can be offered. FICO scores range from 300-850. The higher your score, the less risk involved in lending to you...MORE
Most of us have spent a great deal of time imagining our dream home; the yard full of roses encased by a white picket fence, the elegant staircase climbing around and around, the large kitchen with marble countertops, the master bath with it's Jacuzzi tub surrounded by candles, and the waterfall pouring gracefully into the marvelous clear blue pool...MORE