We opened our full-time offices in Maryland in 1999. We are a small operation committed to providing the best possible lending experience available. All of our mortgage consultants are seasoned professionals with an average of more than 15 years experience. We consider ourselves consultants, not loan officers because we work with you to determine what is best for your situation.
We have access to many lenders offering different mortgage products so that we can fulfill your needs. We want you to be so satisfied with your experience that you freely refer us to your friends and family and use us again yourself for all of your mortgage lending needs. We do little advertising, so your satisfaction is our primary means of success.
We have access to many lenders offering different mortgage products so that we can fulfill your needs. We want you to be so satisfied with your experience that you freely refer us to your friends and family and use us again yourself for all of your mortgage lending needs. We do little advertising, so your satisfaction is our primary means of success.
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How comfortable you are with the possibility your mortgage payment may change in the future. When considering loan programs, the first decision is usually if you prefer a fixed rate mortgage or adjustable rate mortgage. For example, a 15-year fixed rate mortgage can save you thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher.
Credit reporting agencies maintain files on millions of borrowers. Lenders making credit decisions buy credit reports on their prospects, applicants and customers from the credit reporting agencies. Your report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you.
Mortgage related calculators are a great way to prepare for a worry-free real estate transaction. If you need assistance in understanding how to use these calculators, feel free to call or email. Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on. If you made a deposit to the seller to show that you are serious about buying the house, bring a copy of canceled deposit check on house. If you have no established credit history, supply the lender with canceled checks for rent, utilities and other recurring obligations to show payment history and amount of revolving debt.
There are countless hardships that can turn home ownership from a joy into a burden. The loss of a job, medical bills, or an unexpected hike in monthly payments can all make a mortgage unaffordable. But ignoring the bills will not make them go away, it will only make things worse. If you need help, there are approaches that can help, but you may not be familiar with them.
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