In order to keep up-to-date with today's changing Real Estate environment, check our site often for new information that we will pass along to you.

Learn More

Review our Resources for Women and First-time buyers to better understand the home buying process and whether it is time for you to buy.

Read our Glossary of Terms to better understand some of the Real Estate terms you might hear when you talk with us.

Financing

There are many mortgage loans available at any given time. Know the current mortgage rates so you can shop for a mortgage that is “best for you.” Email us for special financing deals.

Programs Available:

At no point in time has there been a greater selection of financing options available. No Income-no Asset, Fixed, Adjustable, Buydowns, Two-Step, Piggyback, First Time Home Buyer and many more provide endless possibilities.

By teaming up with United American Mortgage, we can help you save hundreds of dollars a month by helping you:

• Documentation/Application
• Calculate your net worth
  (Assets - Liabilities)
• Verify your credit report for accuracy and know your credit score
• Know and Find the best interest rate available
• Find the lowest points available and qualifying ratios
• Know the lowest or best available down payment
  mortgage fees you are required to pay
• Know the escrow and closing cost for a given loan
• Know the maximum loan you can afford
• Know your estimated monthly principle and interest payment. Then add the estimated tax and insurance payment. It will appear as estimated P+I+T+I=total monthly mortgage payment.
• Loan cost comparison with multiple lenders.

We can help you with important questions like:

1. Is the rate fixed or adjustable?
   (When interest rates rise, monthly payments for adjustable-rate loans eventually go up, too.)
2. How long do I have to pay off my Mortgage loan?
   (You can choose between a 30-year or 15-year mortgage. A 30-year will mean lower monthly payments but a higher interest rate. In the long run, you'll be paying more for your home because you'll be making more interest payments. With a 15-year mortgage, the monthly bill will be higher but the interest rate lower; thus you'll pay less for your house because it will be paid off in a shorter period of time.)
3. What is the loan's Annual Percentage Rate (APR)? (This includes the total sum of the interest rate, points, broker fees and any credit charges you may have to pay, expressed as a yearly rate.)
4. What will points be in dollars?
   (Points are fees paid to the lender or broker for the loan. Ask each potential lender for a quote in the dollar amount—rather than just the number of points—so you'll know how much you will have to pay.
5. Is Private Mortgage Insurance (PMI) required?
   ( If you make less than a 20% down, the lender will probably require you to purchase PMI, which protects the lender in case you fail to pay.)
6. How much is the exact monthly amount?
7. How long will I will be required to carry PMI?
   

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