free pre-approval

Why would you need a Pre-Approval?

Doing this before you start house hunting is a good idea because it can save you a lot of time and money. By knowing what price range you can afford. In addition, the seller is happy, because they know pre-approved buyers are serious about making a purchase.  MORTGAGE PRE-APPROVAL can actually save you thousands of dollars. The seller is more likely to accept your offer because they know you have been pre-approved!. 

When Should I Refinance my Home Mortgage?

Put very simply, the decision to refinance a home should be based on whether you will own the property long enough to recapture the expense connected with the new loan. The way to figure this can be as easy as subtracting the proposed new house payment from the existing payment to find out what the monthly savings will be. Then, divide the monthly savings into the cost of refinancing to determine how many months it will take to recapture that cost.

Click here if you are interested in REFINANCING.   Design a loan program to lower interest and monthly payment, and maybe take out cash. See what you can do to save.

"First the loan,
            then the home"