Aaron Kerscher has counseled many people and families on how to purchase or refinance their homes. The majority of Aaron's business comes from repeat clients, client's referrals, and partner referrals. As a graduate from DeVry University Aaron incorporates his computer/programming skills into his professional life.
As you might know, the mortgage industry has changed immensely. How do you know who will help you through this process with honesty and integrity? Well, Aaron's repeat customers say it best. That his attention to detail made simple and even complex transactions effortless. They appreciate his honest and straightforward approach, as well as his guidance each step of the way.
As you might know, the mortgage industry has changed immensely. How do you know who will help you through this process with honesty and integrity? Well, Aaron's repeat customers say it best. That his attention to detail made simple and even complex transactions effortless. They appreciate his honest and straightforward approach, as well as his guidance each step of the way.
Services
Our job isn't just to find you the best home loan that suits your financial needs, but to educate our customers on answering their questions about specific mortgage products, issues or current trends. From the basics on interest rates, down payments and insurance, to sellers' concessions and details on new housing legislation, we've included here some answers to your most frequently asked questions.
As a general rule of thumb, this is an ideal time to hold off on major purchases or lifestyle changes that could adversely impact your finances, your credit, or the interest rate approved for your new mortgage. Your financial history and assets will be part of the loan process, and making sense of your buying habits and credit score will certainly play a factor.
The steps required to help qualify your new home loan start with a review of your finances and current assets. Any information you provide us through our website is 100-percent secure and private. We don't share client info with anyone, except with your explicit permission. We ask because providing your information to mortgage lenders can help your chances of being approved for a home loan with the lowest interest rate possible.
It's important to know all of your loan options. The table below shows the different loan options and their pros and cons. This is a quick guide on your loan option, however, I can answer any specific questions you may have. An informed mind makes the best decision. We're here to help. Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option.
At some point in the mortgage process, the terms "pre-qualification" and "pre-approval" will arise. The difference between both will be crucial as you decide to make an offer on your new home. With pre-qualification, we work with you to determine the maximum loan amount you may qualify for, based on your current income, debt and other financial factors, like your credit report and history.
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