PURCHASE
What do I need/want and can I afford it?  These are the thoughts that go through the minds of most people getting ready to purchase.  What we like to do is sit down with our clients before their start to look for a house to determine what they can afford for a mortgage payment.

Your credit history, employment history, and monthly income, are only some of the factors involved in determining your options.  by getting the whole picture before hand, we are able to insure that you don't try to purchase a house that you will not qualify for or one you cannot afford.

 

 

REFINANCE
The first question we ask when discussing a refinance with a client is

• What are your goals?
• Are you trying to lower your mortgage payments?
• Are you trying to pay your house off sooner?
• Are you trying to consolidate debt to lower your monthly budget?
• Are you trying to use the equity in your home for another purpose?
• What do you want to accomplish by doing this?

Once we determine your goals, we work to find the program that best meets your needs.  We will not try to put you into a loan that is not cost effective or does not meet your needs.