A Team of Professionals & All the Information Necessary to Make an Informed Mortgage Decision in Western NY. My name is, Ron Fronckowiak, your Local Mortgage Expert. I want to thank you for taking the time to visit my website where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current home.
I am extensively experienced in all mortgage types - Conventional, FHA, USDA, VA, Construction, etc. I serve the entire Western NY area as well as any real property in the State of New York - residential or commercial.
I am extensively experienced in all mortgage types - Conventional, FHA, USDA, VA, Construction, etc. I serve the entire Western NY area as well as any real property in the State of New York - residential or commercial.
Services
I am a life-long resident of Western NY, growing up and eventually purchasing a home in West Seneca with my wife, Rachel, and our two dogs, Chiclet & Chelsea. In 2000, we built a home in Lancaster and now have, Jasmine (a Chihuahua/Toy Fox Terrier mix) and Aurora (a Jack Russell/Chihuahua mix), to help me here in the office.
How Much Will My Payment Be? Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes. Mortgage Principal Calculator This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.
Thank you so much for your help in buying our first home. We appeciate all the time you took in helping us through the process and walking us through, step-by-step. Count on our referral to friends and family. Thank you for helping so much with this whole process. I know we threw a lot of questions at you and you were always very patient and helpful.
Every time you ask a lender for credit, whether you're opening a store account or applying for a 30-year mortgage, they're going to review your credit report. The lender will look at your total credit score, your past ability to make payments on time and your current debt load. They do this to determine not only your suitability as a borrower, but also what kind of interest rate they'll charge you.
Don't buy or lease an auto! Lenders look carefully at your debt-to-income ratio. A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan. Don't move assets from one bank account to another! These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account.
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