Mortgage Loan Team
Journey to your dream home, whether building or buying take your next steps here!
Buying a new home is likely one of the biggest, if not the biggest purchase you’ll ever make. Having an experienced guide to help you navigate the process is important. Buying your dream house should be a pleasant experience! We’d like to help make it that way by taking the worry out of applying for a mortgage. That’s why we would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you. You’re also invited to have a conversation with one of our experienced and attentive lenders, who are ready to talk when you are!
Don’t leave the bank for last!
If you want to put yourself in the best possible position to get the home of your dreams, start with your bank. It’s smart to get your documents, accounts, and credit score all aligned to give you the most leverage and negotiating power for your new home once you find it.
Find the right mortgage loan to fit your financial situation. Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your payment will always be the same.
Once you know approximately how much of a mortgage you can afford, use our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes and insurance are also not included on the chart, but may be added to your monthly payments.
Have Questions on Your Mortgage Options?
Contact our Team!
Is Refinancing Right For You?
Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages exceeds two percentage points below your present mortgage. And whether you apply with us for a new mortgage to buy the home you want, or to refinance your present mortgage, ask about a Homeowner’s Credit Line. It can help you save on fees when you apply; interest when you want to borrow money; and, taxes at the end of the year. Apply Online today, or for more details, speak to one of our mortgage loan experts at (315) 638-0233.
