Frequently Asked Questions
When Should I Start The Process? What If I Am Still Several Months Out From Purchasing?
The best advice I can give, based on countless client experiences – is to start today! This is likely the biggest purchase you have made in your life so far, and having the best game plan in place possible, including knowing your ideal monthly payment range, out of pocket expenses and a thorough understanding of the process is crucial to having the best experience and maximizing your purchase opportunities. Should we need to do some work to put you in a better position to buy – we live for the challenge, and the more time we have to work together the more buying power you are likely to have!
We can give you a really good feel for what price range you should have your Realtor set you up with a search on. However, if you aren’t 100% sure that your credit is excellent, now is the perfect time to find out so anything that needs to be addressed, can be addressed and still have you ready to buy when the time is right.
Speaking Of Credit, Do You Have A Way To Advise Me On How I Could Improve My Scores?
Absolutely! When we review your credit, it’ll give us your scores with just how they sit today. It will also allow us to see what improvements can be made and what your potential scores could be, and we can run a report that will give you a very specific path of what you need to do to maximize your scores.
When Should I Refinance?
Always a great question and the answer is… it depends on your situation and the state of the mortgage rate climate. What are your goals? Are you trying to lower your payment, attempting to save on interest by shortening the term of your mortgage, or perhaps your current loan has you paying PMI unnecessarily? Want to consolidate high interest credit cards or other debt or thinking about pulling cash out cash out to do some home improvements, pay for college, or for some other reason? These are all some of the questions that we will review with you to see if refinancing makes sense for you.
What Kinds Of Loans Do You Offer?
As a mortgage broker, we have access to just about everything in the lending world. We specialize in Conventional, VA, FHA, Jumbo – and our extensive personal histories in the military and law enforcement makes us extremely proud to honor our military families, first responders and first time homeowners. If it’s a home loan and it’s in the U.S.A…. chances are we can help!
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