Joethelender

Most of the time we are able to waive your appraisal, saving you quite a bit of money and speeding up the closing process. Ask me how.

There are many benefits to both FHA and Conventional loan options! Give us a ring to get an assessment of which would work best for your unique needs and financial situation!

Independent mortgage brokers like us do much more than just help you find the right loan with the lowest payment. We guide you through the entire mortgage process to make sure you're happy with one of the biggest financial decisions you'll ever make. Give us a ring to get started today.

We can waive your appraisal in most cases, call me DM me today for more details.

PMI, short for Private Mortgage Insurance, is a fee imposed on the borrower by the lender when the borrower purchases a home with less than 20% down. Essentially, it’s a layer of protection for the lender in case the borrower defaults on the loan. If you’re a buyer in today’s economy, it’s much easier to save $20,000 for a down payment than it is to save $80,000 --- PMI allows you to do just that. Give us a call to find out more information, we want to help you buy a home today!

While you may think that buying a home that has recently been flipped would be as easy as buying any other home, it’s unfortunately not the case for those that are using the FHA loan program to buy the home. FHA loan guidelines state that if a home is purchased, fixed, and then resold in less than 91 days, this purchase cannot proceed and funding will not be provided. If you’re thinking of buying a home and have your sights set on a home that has been recently rehabbed, be sure to talk to your lender or real estate agent to make sure you are over the 90 days required by the government. As always, never hesitate to give us a call regarding any and all of your mortgage and real estate related questions! Our team is here to help and happy to do it!