Our priority is to know YOUR GOALS and to ensure we have Strategies that fit YOUR NEEDS. Every credit profile is unique and we work hard to address both short and long term goals. Our Purchase program focus on a unique FULL-APPROVAL process that will enhance your ability to negotiate your Dream home.
Our Refinances will focus on optimizing your mortgage given marketing conditions. Your PERSONAL story is important to me. Each Credit Profile is UNIQUE and should be understood to develop the optimal mortgage strategy. The right STRATEGY, can save $10,000's of dollars over your life. Whether a first time home buyer or long-time mortgage holder, we can ENSURE you are on the best loan!
Our Refinances will focus on optimizing your mortgage given marketing conditions. Your PERSONAL story is important to me. Each Credit Profile is UNIQUE and should be understood to develop the optimal mortgage strategy. The right STRATEGY, can save $10,000's of dollars over your life. Whether a first time home buyer or long-time mortgage holder, we can ENSURE you are on the best loan!
Services
FHA Loans are some of the most straightfoward loans to attain which benefits first time home buyers or people looking to make repairs on their home. FHA loans require that an FHA appraiser cunducts an appraisal and that meets certain criteria. FHA loans only need a 3.5% down payment on a home, opposed to the 20% required on the conventional loan.
Conventional Loans are loans that are non-government funded (FHA and VA). Private lenders and big banks offer competive loans with the rate dependant upon your credit profile. There are two "levels" of conventional loans: conforming and non-conforming. Conforming loans (lower amounts) abide by loan limits (per county) and are established by Fannie Mae.
Reduce Mortgage is committed to serving all borrowers equally, without regard to an individual's race, color, national origin, religion, sex, familial status or handicap. With the goal of Fair Lending in mind, it is also our policy to promote Fair Lending practices to our entire customer base. We would also like to emphasize that Fair lending laws do not focus on a lender's "intent."
Reviews (8)
Kim Gaddy
Dec 03, 2021
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I wasn’t sure I would be able to refinance at a good rate due to some credit “ challenges “ as a result of Covid but, not only did Bob get me a great rate he made the process the EASIEST mortgage experience I’ve ever had. I highly recommend him and his team and will never go anywhere else! 5 star experience for sure! Thanks Bob.
Dean Goodman
Nov 20, 2021
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We refinanced our home multiple times with Bob Rowe’s company over the last 15 years as rates were declining Every refinance we did not only were Bob’s rates lower than the typical commercial rates he also provided no cost/no point loans that made the whole process worthwhile. Not only did we get the best rates the loan processing was expedient and very quickly arranged by Bob’s team. Bob has a great easy going demeanor but he is also very knowledgeable on the housing market. We have recommended Bob’s company to many of our close friends and they are also so happy we did as they to have
Joe Laderer
Nov 02, 2021
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Rich O'Neill
Oct 30, 2021
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Debra Waller
Oct 15, 2021
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You are in GREAT hands! I have done many transactions with Bob and Team always provide me most competitive rates and programs! Most importantly, they have earned my TRUST! We have full information and they explain the process which makes each transaction stress free.
They always take the time to educate me so I understand the details and strategy behind my decisions which gives me the confidence we are in GREAT (not good) hands.
They always take the time to educate me so I understand the details and strategy behind my decisions which gives me the confidence we are in GREAT (not good) hands.
Andre Jesus
Oct 04, 2021
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Dennis Carter
Sep 25, 2021
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Dustin Biber
Sep 18, 2021
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I have worked with Bob's team on a couple refinances. They are extremely professional and took the time to make sure we understood all of the numbers. When doing a cash out refi, Bob was able to help us with a variety of what-if scenarios with various terms, points, and cash out options. I look forward to an opportunity to work with Bob again.
