Mortgage Solutions To Fit Your Needs

There is no single mortgage solution that would fit the needs of every person. There is no single answer to the question: “What are your rates today?” Every situation is unique, and we must ask you a number of questions in order to give you a qualified answer:

• Are you buying or refinancing?
• What is the property value?
• How much money would you like to put down?
• How long do you intend to keep your house?
• Are you self-employed?
• What is your credit history?
• Are you planning to live in the property you are buying?
• Have you owned a real estate property before?
• If you are refinancing, do you need a cash-out?
• How much money do you have in the bank?

Only having received answers to these questions, we can quote you a rate. In doing so, we will already know which programs would best fit your needs. Without this, any rate quote would be meaningless.

For example, we may offer a 15-year fixed rate mortgage that carries a lower rate and can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

Another example: if you are planning to stay in your home for at least three to five years, we would bring to your attention that it may make sense to pay "points" (a point equals 1% of the loan amount) to get the lowest available rate.

Please call us today and spend five minutes with our mortgage professional describing your needs and circumstances, and we will be able to suggest several options that best fit your needs.

Call us today

203.341.9377