Where to begin? How much can you afford?

Before you start looking at homes for sale, it's important to first know how much you can afford to spend. Knowing what mortgage payment you can handle each month will also help you know what you'll truly be able to afford.

Our process begins with an assessment of your current financial situation. When we meet to discuss your loan, we'll fill out a loan application and ask you to collect documents that we will need to do a loan analysis/pre-appoval. Once we know the loan amount you can quality for we'll also calculate in other items such as private mortgage insurance (if needed), homeowner's insurance and property taxes. With that in hand, we'll then review the different loan programs and rate that best fit your needs. Once you know those numbers, you will need to let us know how much you'd actually be comfortable spending every month.

Refinancing your existing mortgage

Whether you want to lower your monthly payment, lock in a lower fixed rate, get cash from your house or simlpy pay off your mortgage faster, we're here to help you find the best mortgage to fit your needs. Contact us today, we make saving money simple!