Forget that six-month waiting game banks love to tell you about—it’s a myth! You can refinance as often as you qualify. Whether it's the day after you close or a year later, if it makes sense for your wallet, I’ve got you. Just remember, there are closing costs each time, but if it’s saving you money, it’s a win in my book!

Absolutely! We’ve got a program calledAccessZero, which means no money down, period. No need to mess around with bond programs that make you wait, hope for a lottery, or take a cut of your profits. You can get into a home without a penny down and without the hassle. Simple as that!

Choosing the right mortgage can feel like navigating a maze, but don’t worry—I’ve got your back! It’s all about understanding your options, your budget, and your goals. My team of licensed mortgage pros will guide you through the process so you’re not just guessing. The more you know, the easier it’ll be to pick the perfect mortgage for you and your family. Let's make this journey smooth and simple together!

Here’s the scoop: The Truth in Lending Act (TILA) says we have to wait at least seven business days after receiving your application before closing, and most home loans take around 30 days. That’s because of all the behind-the-scenes stuff like appraisals and credit checks.But here’s the good news:I typically close most loans in just 14 days. No more waiting around for the slow pokes at the bank! Our team is super streamlined and efficient. We don’t need to send endless emails or wait for approvals from different managers. We work as a tight-knit crew, talking every day to get things done fast. So, if you’re looking for quick and smooth, you’ve come to the right place!

Wondering if you can qualify for a home loan? The best way to find out is to chat with a qualified mortgage pro. Our Loan Officers have helped plenty of folks who weren’t sure if they could become homeowners. We’ll dive into your financial situation and long-term goals to find the perfect loan program for you.Plus, I’m here to break down the mortgage math so it’s crystal clear. It’s not magic—just numbers and a bit of know-how. I want you to understand exactly what’s going on and how we calculate everything. Getting pre-qualified before you start house hunting will give you a solid idea of what you can afford and help make the process smoother. Let’s figure this out together!

Refinancing is like hitting the reset button on your mortgage to make your life easier and your wallet happier. Maybe you bought your home this year, and rates have dropped—time to snag that lower rate and save some cash! Or perhaps you’re drowning in credit card debt with sky-high interest rates; refinancing can help consolidate that debt and get you back on track.Here’s another one: your AC just gave up on you in the middle of a heatwave (global warming, am I right?), and you need a quick fix. Or maybe your kid’s college dreams (Harvard, anyone?) are a bit pricey, or you just haven’t had a vacation in ages and need some breathing room. Maybe the backyard BBQ is getting old, and your spouse is dreaming of a relaxing getaway. Or your teenager finally turned 16 and has their eyes set on a Mustang!Refinancing isn’t just about lowering your rate—it’s about making your life more convenient and solving everyday problems. Let’s talk about how refinancing can help you tackle these challenges and m

The amount of money you’ll need to buy a house isn’t exactly a “one-size-fits-all” situation—it’s more like a game of “How Much Can You Score?” The exact figure depends on the home’s price and the mortgage financing you go for.If you’re aiming high, you might need to drop as much as 20% of the home’s price as a down payment. But don’t worry if that sounds like a lot—there are also loans that only require as little as 3%, and some programs let you buy with no down payment at all!So, whether you’re dreaming of a cozy starter home or a luxury pad, we’ll find the right fit for your wallet and your goals. Let’s break it down and make that house-hunting game a win for you!

Yes, you can still snag a mortgage even after a bankruptcy! It’s definitely possible, and the key is talking to a Loan Officer who can help you explore your options. Just bring all your bankruptcy paperwork, and we’ll dive into finding a loan program that’s a great fit for you.Think of it like this: bankruptcy doesn’t have to be a roadblock—it’s more like a detour on your journey to homeownership. Let’s get you back on track and into your new home!

Interest rates are like roller coasters—up and down all day long. If you’re seeing a rate that’s looking pretty sweet, it might be wise to lock it in now. Waiting could mean rates go up, and nobody likes paying more than they have to.Of course, if you’re worried that rates might dip even lower after you lock, let’s chat. Some programs let you lock in a rate for an extended period and still snag a lower rate if one becomes available.Think of it this way: there's an old saying, “A bird in the hand is worth two in the bush.” You might save money if rates drop tomorrow, but they might also go up, and then you’re stuck with higher rates. If you’re feeling lucky and don’t mind a bit of a gamble, you can wait. But if you want to play it safe and get the best deal today, let’s lock that rate in!