Not everyone can qualify for a purchase or refinance mortgage, but too many people that actually can qualify assume they cannot.
- If you read news stories about credit being “tight”, you aren’t getting the truth. Over the last two years, there have been many program and guideline changes that favor borrowers.
- Interest rates are near THREE-YEAR LOWS! People refinance for many reasons, but here are the main ones: 1) Lower rate, 2) Shorter term (for example, go from 30-year to 15-year), 3) Lower payment, 4) Need cash out for repairs, renovations, debt payoff, college expenses, etc., and 5) Get rid of mortgage insurance.
- As a broker, we analyze your needs confidentially, find the right lender for your loan depending on your needs, give you options for the lowest rates and fees, and provide you outstanding service. Banks cannot do all this.
- Don’t be afraid of the paperwork. We keep it simple.
- Thinking of becoming a first-time homeowner or buying a new property? Let us pre-qualify you in advance so you’ll be ready to move when you find the property you want. It’s a seller’s market right now – improve your chances that the seller will choose your offer because you are already pre-qualified.
