Your Trusted Partner for
Mortgage Solutions
Whether you’re buying a new home, refinancing, or exploring loan options, we provide personalized solutions to
help you achieve your financial and homeownership goals. Let us guide you every step of the way.
What Do You Need Help With?
Why People Choose Us
First-time homebuyers and homeowners who refinance love working with us because of our great service, low rates, and simple process
Dedicated Specialists
Our dedicated specialists guide you every
step of the way, ensuring a smooth and
stress-free experience.
Success Stories
Join the hundreds of families who buy and refinance their homes with Downtown Your company easy and amazing programs
Free Estimates
Our estimates are free and at no commitment. You can schedule a
free try our mortgage calculator.
More than just great mortgage lending rates.
A low lending rate is great, but there's much more to it than that When you work with me, I take the time to ensure I get you into the best mortgage solution possible.
Easy Approvals
Speed matters. Which is why I can determine if your approved quickly.
Easy Approvals
Speed matters. Which is why I can determine if your approved
quickly.
Transparency for all
We’re big fans of the phrase, “What you see is what you get. No hidden fees, no hidden meanings.
Built on Trust
I offer products and services designed to put my clients first. Always.
Melissa Wilson
Loan Officer
What Our Customers Are Saying
Our success is built on the trust and
support of our clients
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We used to be all over the place - text automation, CRM, Google Sheets, Dialer, web hosting and funnel products - and they were all different companies & interfaces it hectic now with everything in one place and closing vs unorganized systems.
Olivia
Life Insurance Agent
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One of the biggest advantages of a home loan mortgage is that you can lock in your interest rate. This means that even if interest rates go up in the future, you will still be paying the same rate that you agreed upon when you took out the mortgage.
Emily
Family First Life Agent
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Another advantage of a home loan mortgage is that you can build equity in your home over time. As you make payments on your mortgage, you'll gradually pay off the loan and own more and more of your home.
James T.
Life Insurance Agent
Frequently Asked Question
1: What is the minimum credit score required to qualify for a mortgage?
Most lenders require a minimum credit score for mortgage qualification, though this may vary depending on the loan type. Generally, a score of 620 is needed for conventional loans, but other loan types may have different requirements.
2: How much down payment do I need for a mortgage?
The typical down payment is 20% of the home’s price, but some loans, such as FHA or VA loans, allow for lower down payments, sometimes as low as 3% or even zero for qualified borrowers.
3: What types of mortgage loans are available?
We offer a range of mortgage options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has unique terms and eligibility requirements.
4. How do interest rates impact my monthly mortgage payment?
Interest rates directly affect your monthly payment. Lower rates mean lower monthly payments and less paid over the life of the loan, while higher rates increase both the monthly payment and the total interest paid.
6. Can I get pre-approved for a mortgage?
Yes, pre-approval is recommended. It shows sellers that you’re a serious buyer and gives you a clear budget. Pre-approval involves a credit check and verification of income and assets.
7. What are closing costs, and how much should I expect to pay?
Closing costs are fees paid at the finalization of the mortgage. These typically range from 2% to 5% of the home’s purchase price and cover expenses like appraisal fees, title insurance, and legal fees.
8. Can I pay off my mortgage early?
Many loans allow for early payment with no penalty, although some have prepayment penalties. Paying off your mortgage early reduces the amount of interest you pay over the life of the loan.
9. What is Private Mortgage Insurance (PMI), and will I need it?
PMI is required if your down payment is less than 20% of the home’s price. It protects the lender in case of default. PMI can be removed once you have enough equity in the home.
Unlock Your Best Mortgage Options Today!
Get personalized mortgage advice from top experts. Let’s find the perfect loan for you—schedule your free consultation now!
The key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.
Company NMLS: 123654
