We can help you put your mortgage to use to accomplish your financial goals.
There are a variety of reasons to consider refinancing, depending on your financial goals – and there’s never been a better time to refinance thanks to historically low interest rates.
While refinancing can lower your monthly payments, it’s not right for everyone, and there are several important factors to consider. Whatever your goals are, we want to help you make informed decisions for your financial future.
Being a first-time homebuyer has unique advantages. We’ll help you choose the right mortgage to accomplish your specific financial goals.
We’ll run the numbers and show you how to afford a home you love without going over your monthly housing allowance.
We know you’re busy, so we work around your schedule and we can even guide you through the entire process without ever meeting in person.
Our team is proactive and extremely sharp, which means we can close on your home very quickly (usually within 30 days).
We understand that buying a home is a big decision and we believe that getting a mortgage shouldn’t be stressful or difficult. That’s why we’re here to help you make informed decisions every step of the way!
Visit with our team in person or via phone or video.
Get pre-approved to find out what type of home you can afford.
Make an informed decision on the smartest mortgage for your financial goals.
Enjoy shopping for your new home with a quick, easy closing.
Prepare to move and start planning your housewarming party for your new home.
Use the calculator below to get an idea of how a refinance can impact your payment.
NOTE: Tax, insurance, and other fees apply and are not included in the calculation below. For an estimate that includes these amounts, please contact us.
April 13, 2020 | Bill Gaylord discusses how to know if it's a good time to refinance your home loan.
Watch The VideoYour credit score can be the determining factor on whether or not you will be able to qualify for a mortgage.
Watch The VideoA home appraisal is a monetary valuation of the property. The reason for an appraisal is to ensure that the collateral value (the home) justifies the loan amount the bank is lending to you. The appraiser’s job is to be unbiased and completely independent of the transaction, while at the same time being realistic and practical. The appraiser’s valuation is his or her professional opinion of what the property is worth.
The notion that an excess of credit inquiries from mortgage lenders will lower your score is a common misconception. FICO, a scoring model required by Fannie Mae and Freddie Mac, has logic in place that protects consumers’ credit scores from any negative impact caused by multiple inquiries as a result of rate shopping. Inquiries for mortgage loans that are less than 30 days old are ignored and have no impact. Inquiries older than 30 days are looked at, but multiple inquiries from mortgage lenders made within 45 days of one another are treated as one inquiry.
After the mortgage meltdown, the mortgage industry tightened restrictions in order to minimize the amount of home loan defaults. Being prepared and producing quick documentation up front is the best way to avoid unnecessary stress or financing delays.
The interest rate is the cost you will pay each year to borrow money, expressed as a percentage rate. The APR (Annual Percentage Rate) is a calculation based on standardized federal regulations. It provides a more complete picture by taking the interest rate as a starting point and accounting for the fees required to finance the mortgage loan. It expresses the actual yearly cost over the term of the loan.
The Department of Housing and Urban Development states that the lender has 30 calendar days to return these unused funds to you.
The best time of year to get a mortgage is in December.
We know getting a mortgage can be overwhelming and that you’re worried about making the right decision. Fortunately, though you might not do this every day, but we do – and we’re here to help! Book a free consultation so you can get one-on-one support as you navigate the biggest financial decision of your life.
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