MORTGAGE BASICS
We are committed to providing a seamless mortgage experience, from the time you contact us until the time we close on your home. Our team has years of experience in the industry and is skilled in all aspects of mortgages, from fixed-rate loans to refinancing.
Application Checklist
This application checklist serves as a guide to help you stay organized and prepared. Whether you're applying for a loan, or any other application-based endeavor, following this checklist will help you stay on track and increase your chances of success.
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Credit
Credit is a financial concept that is pivotal in individuals' and businesses' lives. It refers to the ability to borrow money or obtain goods and services with the promise of repayment in the future.
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Closing Costs
Closing costs refer to the fees and expenses associated with the final stage of a real estate transaction when transferring ownership of a property from the seller to the buyer
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Appraisals
Appraisals refer to estimating a property's value, considering various factors such as location, size, condition, amenities, and market conditions.
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private mortgage insurance
Private Mortgage Insurance (PMI) is a type of insurance that protects lenders in case a borrower defaults on their mortgage payments.
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Refinance
When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.
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Foreclosure
Foreclosure refers to the legal process through which a lender takes possession of a property when the borrower fails to make timely mortgage payments.
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