The Mortgage Planning difference. 1st - Let's have an informal conversation to determine your short and long term goals. 2nd - We will then provide you a customized Mortgage Plan that takes those goals into consideration. 3rd - If it makes sense to move forward. It is easy to get started, either call our toll free number (800-614-4009) or complete the following short questionnaire.
Our Loan Advisors have a minimum of 10 years' experience and are highly knowledgeable in the various loan programs that are available so that you can be confident in getting the right loan for your needs. The loan options are presented in an easy to understand Mortgage Plan that is developed to achieve your short and long term goals.
Our Loan Advisors have a minimum of 10 years' experience and are highly knowledgeable in the various loan programs that are available so that you can be confident in getting the right loan for your needs. The loan options are presented in an easy to understand Mortgage Plan that is developed to achieve your short and long term goals.
Services
Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent.
Changing the terms of your loan can benefit you and maximize your monthly income. A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses. When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
For clients who anticipate a significant increase in income or property value in the next several years, plan short-term stays in their home, or would like to significantly lower their mortgage payments, an adjustable rate mortgage loan may be the right option. As the name implies, ARMs have interest rates that change at a pre-determined interval.
FHA (Federal Housing Administration) loans allow past credit issues, lower minimum credit scores (580) with a minimum of 3.5% down payment.all at competitive rates. FHA loans require mortgage insurance that provides the lender protection if a borrower defaults on their mortgage. We also offer FHA loans combined with down payment assistance programs to help those borrowers that have income stability but may not have the 3.5% down payment saved.
A VA loan is perhaps the most powerful and flexible lending option on the market today. Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Reviews (9)
Giulia Swolgaard
Jul 28, 2021
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My husband and I would like to send out a huge thank you to both Joel and Kerry from America’s Loan Advisors. We recently completed a second home refinance with them and I cannot say enough great things about how they conduct business. It was late afternoon when I had spoke to Joel about options that we had with our situation and telling him that we would like to proceed. The great thing I liked about my conversation with Joel was that he asked what I was trying to accomplish and then he provided me with a great option that accomplished what we were trying to do and in the process saved us a
Tim Harrison
Jun 03, 2021
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So I might be bias, because Joel is my brother and Kerry is my sister in law. The fact is I have been in the mortgage industry for over 28 years but I am not allowed to do my own loans with my own company, it is considered a conflict of interest. So I called the expert who trained me in the business my OLDER but much better looking bro. I am probably the worst client to have, my financials are complex, rental properties, other companies, properties with associations and I think I know best. My files are lots of work. Kerry as the processor did an amazing job on 7 mortgages they did for me, she
Karen Metcalfe
May 25, 2021
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Joel and Kerry Harrison are an incredible team! Joel is very knowledgeable and provided a detailed, yet easy to read and understand spreadsheet with my rate, payment, and savings options. Kerry was thorough and efficient at gathering the documents required for a clean loan approval quickly. From start to finish my refinance took less than 18 days with an appraisal. I absolutely will continue to use Joel and Kerry for all of my home loan needs and would highly recommend them to anyone looking for an experienced, trustworthy mortgage broker.
Jonathan Michael
May 18, 2021
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As first time home buyers, my family needed Loan Advisors that would provide a level of service beyond Five Stars. Joel & Kerry were patient, always available on the phone, and made us feel like we were in the drivers seat. Joel met all of our expectations and more. In fact, since closing on our refinance, we have referred many other family members for their additional mortgage needs. Thanks!
Austin & Amanda
Oct 09, 2020
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Normally, I don’t write reviews... I stray away from it. I’ve probably only done it when I have to. Joel and his team did our refi. They are on point, dialed in, professional, quick, and found great solutions for us. They are kind and easy to talk to. I highly recommend them for any and every service they offer. I give them 10/10. Like I said, I literally never write reviews, but Joel and his team were terrific, and I’m more than happy to give them a satisfactory review!
Dan C.
Sep 29, 2020
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Outstanding experience! Joel and Kerry couldn't have been better. They were very accessible and responsive, and walked me through every step of the process. Their knowledge and level of customer service is unmatched. I highly recommend this team for your home financing needs. They won't let you down!
Mark Flores
Sep 18, 2020
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Joel and Kerry, they are an absolute amazing duo to work with. My refinance experience with them during this COVID-19 pandemic period was so soothing, it made things easier for me to relax. I certainly appreciated the way they handled everything, from early paperwork to securing the lowest possible refinance Interest for my closing disclosures. Never once did I think about whether it mattered if they were local or out of the area from where I work or live. Their honesty truly impacted my decision in choosing to work with America's Loan Advisors. Thank you both!
Sincerely,
Mark Flores
Sincerely,
Mark Flores
Tricia Kerr
Aug 28, 2020
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We've worked with Joel and Kerry twice and had a great experience both times. We were first-time homebuyers and Joel was incredibly honest, patient, and extremely helpful as we navigated the loan process for our home-buying experience. The process always seemed so daunting, but he made it so clear and easy. We then refinanced to take advantage of the lower interest rates and once again, the loan process was so fast and easy - and we were thrilled with the rate Joel was able to secure! We will definitely work with them in the future!
Monica R.
Jun 03, 2020
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Joel and Kerry are phenomenal. Both are clearly experts at what they do and are an absolute pleasure to work with. They don't rely on cheap sales tactics to get business (if you've reached out to companies like RocketMortgage, you likely know what I mean). Joel and Kerry handled our mortgage refinance and completed everything at least a week sooner than the completion date estimate given by all other lenders/brokers I spoke with. I contacted somewhere around 8 or 10 lenders/brokers and America's Loan Advisors had very competitive rates. Definitely recommend giving them a call!
