Services
Refinancing
Thinking of replacing your existing mortgage with a new one on different terms? Wanting to see if you can lower your monthly mortgage payment? Needing to consolidate debt?
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In normal circumstances one of the most common reasons to refinance is to get a lower rate, which can save you money on interest over time. When those savings are more than the prepayment penalties, it makes good financial sense to refinance.
First Time Buyer
If you are considering buying a home for the first time now or in the future, here are some of the initial steps you should take to ensure that this process is a whole lot more simple for you:
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*Check your credit score. A history of consistently paying bills & debts on time gives lenders confidence that there is a low amount of risk to them and therefore can trust that you will be reliable in making your mortgage payments.
*Save, save, save! Review your budget and start saving for a down payment (5% minimum on the amount of mortgage) & extra for closing costs
*Connect with ME and let's talk about what your house goals are and what you will potentially qualify for.
Pre-Approval
Finding out what you are working with makes house hunting a lot less complicated and can simplify your search. This also gives a seller confidence, when you are making an offer, that you will be able to get financing for their property. Another benefit is locking in that interest rate to protect you from any interest rate increases (up to 120 days).
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