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Best Home Loans 2019

Get your current mortgage and offers reviewed to see if there are better options available. This a no obligation complimentary service. Offering better service and lower interest rate mortgages is our goal.

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What is a mortgage?

Any loan secured by real property is a mortgage. There are several types of mortgage notes available today. The most common fixed interest rate mortgages are 30, 20 and 15 year loans. The popular adjustable rate mortgages are fixed for 3, 5, 7 or 10 years.

Buying a home

The most important must do when planning to buy a house is figuring out the budget accurately. And it’s not only about how much the monthly mortgage payments are; other expenses such as property taxes, utilities, gardening, insurance and etc. should be accounted for as well. We recommend completing a no cost no obligation loan request to see what your options are. Let’s Get Started

Are you a 1st time home buyer?

Buying a home for the first time can be very stressful. The good news is that you don’t have to have a huge down payment to become a home owner. There are programs available that only require a 3% down payment.

Conforming Mortgage

Conforming Mortgage is a mortgage that meets all the terms and conditions set by Fannie Mae and Freddie Mac. The terms include maximum loan amounts of $453,100, borrower credit worthiness, required documentations and suitability of the property. The rates on conforming loans can be fixed, adjustable, or interest only.

Jumbo or Non-conforming Mortgage

A jumbo loan or a non-conforming mortgage is a term for residential mortgages that exceed the $453,100 limit set by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation (Fannie Mae and Freddie Mac). Jumbo mortgages are usually priced 25 to 50 basis points higher than conforming loans. These loans are available as a fixed rate loan or an adjustable rate loan.

Mortgage Pricing

Fixed rate mortgages usually carry a higher interest rate than adjustable rate mortgages. There is no cookie cutter formula for selecting the right mortgage. The decision between a fixed rate and an adjustable rate mortgage has to be made on a case by case basis based on the terms, fees, current interest rates and the expected term of occupancy.


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Tricky Situations Where Getting a Loan Online Makes Sense

Online lenders allow you to borrow money quickly and easily by simply completing a request on your phone or computer without leaving the comfort of your house or office. Theoretically, you can take out an online loan for any reason, but you’ll only want to utilize a loan if you’re sure it’ll aid your situation Read More

Does Your Upcoming Home Purchase Require a Jumbo Loan?

Purchasing a higher priced home may require a jumbo loan depending on where in the country the house is located. Typically, a conforming loan is limited to $424,100 except in areas where the average housing cost is significantly higher. If the home that you are looking to purchase is outside of Fannie Mae and Freddie Read More