FAQs

How much mortgage can I afford?

Call to get pre-qualified

What is a mortgage?

A loan which allows you to buy a house over time.

What is a reverse mortgage?

How to get a mortgage?

Apply online 24/7. Click here

How much can I borrow for a mortgage?

This depends on your income, credit and down payment. Call to get pre-qualified.

What is mortgage insurance?

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.

How does a reverse mortgage work?

What are closing costs?

The fees paid at the loan closing. Comprised of costs to acquire the mortgage and other costs like tax and insurance escrows

How much is private mortgage insurance?

It depends on your credit score and the details of your loan call to get pre-qualified.

How much mortgage do I qualify for?

Call to get pre-qualified

How much is mortgage insurance?

It depends on your credit score and the details of your loan call to get pre-qualified.

How do mortgages work?

A mortgage is a loan in which your house functions as the collateral. The bank or mortgage lender loans you money (typically 80 percent of the price of the home), which you must pay back — with interest — over a set period of time.

What is reverse mortgage?

How much will my mortgage be?

It will depend on how much you borrower over what time period and at what rate. Call to get pre-qualified.

What is a mortgage broker?

A professional who has access to many different lenders and loan programs who will work to fit the buyer into the right program.

What is a second mortgage?

A loan, usually a HELOC or HELOAN places behind a first mortgage to access more funds or to be used in a different way.

Should I pay off my mortgage?

The quick answer is yes but it really depends on your overall savings strategy.

How to pay off mortgage fast?

The easiest way to pay off your mortgage fast is to pay extra to principal every month.

How does a mortgage work?

What are mortgage points?

“points” or “discount points” can be paid to buy down the overall interest rate for the life of the loan. 1 point is 1% of your loan amount

How to get a mortgage with bad credit?

Sometimes you credit isn’t as bad as you think and there may be options for you. Call to get pre-qualified.

How to calculate mortgage payment?

There are many amortization calendars online but just call so we can get you pre-qualified and you will have a good idea of your payment

What is the current interest rate?

Interest rates move daily and sometimes a few times within a volatile day. You should always call for current rates.

How to get pre approved for a mortgage?

Call to get pre-qualified it only takes about 15 min on the phone.

What is the current prime rate?

It changes so a google search is the way to go.

What are points on a mortgage?

A one time fee charged to get a lower interest rate for the life of your loan.

What are current mortgage rates?

They change daily so call the office to get pre-qualified and find out.

Can I get a mortgage with bad credit?

Yes, sometimes, it depends on what is “bad” about your credit. Call the office to get pre-qualified.

How much can I afford mortgage?

Call to get pre-qualified.

Should I refinance my mortgage?

Maybe, it depends on what you are trying to accomplish. Lower rate? Lower payment? Cash out?

What does mortgage mean?

A legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor’s property, with the condition that the conveyance of title becomes void upon the payment of the debt.

How to apply for a mortgage?

Click here OR call the office

How to refinance mortgage?

First, call the office to see if it makes sense.