George was always available by phone to answer our many first time buyer questions. The process was smooth, and George did a great job explaining our loan options, and found us the best loan to fit our needs and personal situation. We are so happy to have a new home, within our budget, and thankful to George for his expertise in the loan process.
George is a true trustworthy expert! George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
George is a true trustworthy expert! George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Services
No doubt, quite a lot to do when you get a mortgage. You wouldn't be here on our site if you could fill out a one-page mortgage application and receive a great loan funded the same day. We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
Compare Rates - See how changes in your rate affect your payment for a given principal and term. Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term. Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Lots of buyers qualify for various loan programs, but they don't have a large sum of cash to pay the standard down payment. Want to look into getting a new home, but aren't sure how you should get together your down payment? Tighten your belt and save. Turn your budget inside out to discover extra money to go toward your down payment.
Lenders use a ratio called "debt to income" to determine the most you can pay monthly after you've paid your other recurring loans. For the most part, underwriting for conventional mortgages requires a qualifying ratio of 28/36. An FHA loan will usually allow for a higher debt load, reflected in a higher (29/41) ratio.
Before lenders decide to give you a loan, they have to know if you're willing and able to repay that loan. To figure out your ability to repay, lenders look at your debt-to-income ratio. To assess your willingness to repay, they use your credit score. Credit scores only assess the information in your credit reports.
Reviews (6)
Caleb Merryman
Oct 18, 2021
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Martin Sudarma
Sep 11, 2020
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Dominic Martinez
Oct 08, 2019
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Our experience with Agape Mortgages was excellent in every way! George and Marie made our first time buying a home a great experience. I would recommend them to anyone needing a loan. I look forward to doing future business with George and the team. I would give more than 5 stars if I could. Keep up the great work!
Tory Campbell
Sep 20, 2019
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Cathy Rintalan
Jul 02, 2019
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Adam Garcia
Oct 26, 2018
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