Home Financing & Mortgage Information

Mortgage Programs, Advice, Bankers, & Brokers
 
We all have an idea of what type of home we want...number of bed and bathrooms... square footage...area amenities.  We often have an idea of how much we want our payments to be.  What we do not really understand is what loan programs are available to us, and how much home equates to what size payment.  These are answers we should have before we go house hunting.  Below are some of the questions you need to get answered.
  • How do I get started?
  • What are the different loan programs available, and how do I qualify for them?
  • What is my credit score and how does it affect my ability to buy a home?
  • What is the difference between pre-qualification and pre-approval?
  • What is the difference between APR and the interest rate?
  • What are points?
  • What is meant by he term "locking my interest rate?  And then, when and how do lock my interest rate?
  • Who orders the appraisal and survey, and when is it ordered?
  • Once I sign my application, am I committed to borrow the money?
  • What key items help ensure a smooth closing?
  • Where will I be closing?  How much do I have to bring to closing, and can I bring a     personal check?
  • How will I be kept updated on the status of my loan?

After reviewing this webpage, might I suggest that you visit "FAQs -- Mortgages" for more information.
 

 

One of your best investments in time . . . Talking to your mortgage consultant.

Before you start looking for a home.  Visit one of the mortgage consultants listed below.  (You may be able to accomplish this on-line.)   All you have to do is select one of the mortgage consultants by placing your cursor over their link and double click.  You will be linked to their website where you can make your loan application online, in the convenience of your own home.  If they do not have a website, send them an email with your contact information or call them directly.  They will contact you as soon as possible.

Instructions:  1)  If their name is in blue and underlined, they have a website.  2)  Double click on their name (or picture if provided) to go to their website.  3)  Once in their website look for a button or link labled "Apply Now" or "Get Started."  this will start the loan application process.  4)  In the remarks section please make a statement authorizing the loan officer to dicuss your financial and mortgage needs with me. "Please share this information with my Realtor, Rufus Hutchinson.")  5)  If they do not have a website, call or email them directly...they will be happy to fill the application out for you over the phone.

Liz Thomas, Countrywide Home Loan Consultant:  Committed to providing each customer with the highest level of service, integrity, and professionalism.  Liz understands the complex financial portfolios of successful individuals, as well as needs of a first time home buyer and has the ability to recommend the best home loan options and programs available.  To apply call Liz directly, she will be happy to take your application over the phone.

  Ed Kuszmar, Fifth Third Bank Loan Consultant:  Ed has worked in the mortgage industry for almost ten years.  He specializes in all residential mortgage products, documentation types, property types, and non-conforming loans.  His goal is to provide his customers with the best mortgage solution based on their needs and qualifications.  Ed provides outstanding level of service.  His attention to detail, communication, knowledge results in smooth closings.  To apply call Ed directly, he will be happy to take your application over the phone.


 Rebecca Madej, Cunningham & Company Mortgage Bankers:  Rebecca specializes in residential mortgage lending with a concentration on prompt, personal service.  Her attention to detail ensures a timely, less stressful closing.  Her outstanding knowledge and commitment to service will ensure that you choose the best mortgage program based on your wants, needs, and qualifications.  To apply online go to the link below or call Rebecca directly, she will be happy to take your application over the phone.


 

If you have any additional questions, send them to [email protected] 
We will respond as soon as possible.  Our goal is to make you an informed homebuyer.