Learn a little bit more about Circadian Mortgage Brokers and how
JR McDonald and Angela McDonald got started in the home lending industry. Their interest in helping clients navigate the real estate financing world started in 1993. While working for bigger banks, it was apparent that their ability to best serve clients was limited and they needed to branch out on their own.
What do need to have ready to speed up the pre-qualification process? Why should you get pre-qualified? We'll answers some of your general questions about the topic so that you can better equip yourself and get you to the top of the potential buyer list when you find that dream home!
With so many mortgage options available, what is the best one for you? We'll help you navigate through some of the common options available in the market today so that you can know what type of mortgage you're signing up for. Knowing the difference between a fixed and variable may save you money or give you the best plan that will help you reach your other goals.
Numbers can get very tricky when it comes to purchasing a home. What happens if you don't have the 20% down payment typically asked for when you want to purchase your dream home? What is PMI? What's a conventional loan? Can I purchase a home without putting anything down? We'll cover some important terms and scenarios when it comes to a down payment for your home.
You've probably heard of PMI before, but what is PMI? How will this affect your monthly mortgage payments? What is a typical PMI amount? Will PMI ever get removed or will it stay with me forever? As home prices are rising so rapidly, it may be difficult to have the full 20% down payment available when you've found the home you want. It's important to know how PMI will affect you or how it can help you.
You've probably heard the term before, but what is usually included in the closing costs for buying a home? Does credit score or the down payment affect the closing costs? We'll break down the most common fees associated with the closing costs and define some of the terms.
You're about to make one of the largest and most significant purchases of your life. There will be monthly payments made to a financial corporation for years and years. You'll probably want to know how did they determined this amount that I'm sending them and how is the payment divided up to pay off the principal and the interest amounts. We'll break down the mortgage payment so that you'll be better equipped to speak to your lender.
What are good practices when it comes to Hard and Soft credit checks? Did you know that pulling multiple hard credit checks could lower your credit score? Knowing the difference between the types can help speed up the process, put you in the best position possible for a home loan, and protect you from unnecessary hits to your credit score.
We'll break down the mortgage process week by week provide you with a general timeline so that you'll have a better idea of what to expect from your lender and other service providers. The better prepared you are, the less stressed you'll be through the journey. Our goal equip you with the right tools and knowledge to give you an upper hand and prepare you for all that's to come before you get the keys to your dream home!
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