With 29 years experience in lending, let me use the knowledge I have to help you find the best financing available for your home purchase or refinance. There are many options for home loans. Whether you are a first time buyer or seasoned investor I would be honored to help find the best financing possible for you situation.
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There's little doubt that getting a mortgage loan is a complex process. You would not be looking up loan information if it were possible to get a mortgage loan in one day with a simple application. 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.
Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
You'll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised. The easy answer to "why" is that federal law requires the lender to tell you both. The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
When you are promised a "rate lock" from the lender, it means that you are guaranteed to keep a certain interest rate over a determined period while you work on the application process. This ensures that your interest rate will not get higher while you are going through the application process. Rate lock periods can be various lengths of time, anywhere from 15 to 60 days, with the longer spans typically costing more.
A fixed-rate loan features a fixed payment amount for the entire duration of your loan. Your property taxes increase, or rarely, decrease, and so might the homeowner's insurance in your monthly payment. But generally monthly payments for a fixed-rate loan will increase very little. Early in a fixed-rate loan, a large percentage of your monthly payment pays interest, and a significantly smaller percentage goes to principal.
Reviews (3)
Ksenia D.
Oct 18, 2019
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We had such an amazing experience with Russ. After working with two mortgage brokers and disliking them with passion, we found Russ very responsive, super easy to work with and refreshingly honest. He took us over mid-escrow and still was able to help us close on time (in fact, he was ready earlier than promised). His tips were amazing and his cool and calming presence relieved a lot of anxiety in this stressful process. Highly recommend to anyone!
Tarek S.
Oct 24, 2017
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Russ was a pleasure to work with. I had a very difficult and peculiar situation. However Russ''s persistence I believe helped in making the loan happen and was able to meet the scheduled closing date. Never had a chance to meet him in person; however he always conveyed a cordial tone and pleasant personality on the phone.
Nick R.
Aug 18, 2017
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I was connected with Russ via my real estate agent and was initially hesitant... As soon as I talked to Russ, he eased any concerns I had and wasn't trying to oversell anything - just present me with info so I could make my own decisions. Turns out that their rates were better than what I had got on my own and he was MUCH more calm than the other company I was considering going with. There were too many hiccups throughout escrow (mostly due to the seller) and I felt bad with how many times I had to call Russ or Rhonda and provide updates along the way. It turned out that he was already
