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Purchasing A Home

 

Rather you are purchasing your home for the very first time, second home, dream home; maybe this would be a vacation home,  or you are acquiring multiple streams of income and want to explore real estate, You are in the right place. This is an exciting moment, but also a little confusing and can be uneasy at times.There are a few steps that you would want to do.

 

I will go through all steps with you in order for you to be most comfortable. I will consult, educate, advise you during this process. We will come up with a action plan together and we will also execute that game plan in an effishante and effective mannor. There are many programs that can help you reach your over all objective and i will go through the very best option to fit your goals. I keep the lines of cummunication open at all times with each of my clients. You can rest assure, I will always have your best interest in mind.
 

Commercial

 

Purchasing a commercial building could mean one of two things #1 strictly for investing- meaning multiple streams of income which real estate is a great way to go about it when doing it right, and #2 you are going on an exciting journey full of a dream that is now becoming your reality!  Commercial real estate is one of my favorites because I get to see my clients invest and achieve great success in the beautiful world of Business!

 

I will do everything in my power to help you make that dream come true! There are many programs that would allow for you to achieve supreme success and I will be there every step of the way!

 

Refinance

 

Want to refinance your current home or commercial property? There are multiple reasons why one would want to refinance. One might need to get a better rate and/or term, or maybe you would like to get some cash out for things that you need and/or desire. I work very close with individuals, families, and owners. I also work fairly quickly. I always talk my clients through this process to make sure that each client is treated like royalty! 
 

Loan Programs

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

HARP 2.0
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Graduated Payment Mortgages
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.

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