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Give your mortgage an annual once over.  

New loan programs and opportunities to replace an  adjustable mortgage with a fixed rate for a peace of mind.      
 

Free credit report. 

The information in your credit report has a huge impact on whether or not you will again qualify for a mortgage loan. If you score is less than sterlar, click on "How to improve my FICO" and find out how you can improve it. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each credit reporting company provide you with a free copy of your credit report, at your request, once a year. To request your free credit report, visit  Annualcreditreport.com.

Is a fixed rate mortgage the best choice for you? 

If you time horizon of staying in the house is less than 10 years, our new hybrid loans may be a better financial fit for you. Hybrid loans typically have a lower fixed rate than a traditional mortgage. The savings you receive can well be worth switching to a hybrid loan. 

Are you paying for Private Mortgage Insurance (PMI)? 

Refinance and consolidate your mortgages into one. You will eliminate PMI and lower your monthly payments. Send me a "Get a New Loan Quote" and give me a try.  

Are your taxes and insurance up to date? 

Even though your mortgage servicer is responsible for paying your property taxes and property insurance out of your escrow account, it just makes sense to periodically check to see that these payments are being made properly. While you’re at it, you’ll want to review your homeowner’s insurance policy. It’s a good idea to review your policy every two to three years to make sure it covers recent home improvements, replacement costs for the contents of your home, and that its reconstruction coverage is keeping pace with inflation.

Do you have a Home Equity Line of Credit (HELOC) for emergencies?

Many homeowners are making the proactive choice to secure a Home Equity Line of Credit (HELOC) for emergencies.  A HELOC is a revolving line of credit that only charges interest when you actually draw money from the line of credit. As you repay the balance of the draw, the credit becomes available again. Securing a HELOC in advance can be a great help if you’re ever laid off or have an unexpected medical or other emergency. 

Are you making the most of your home’s equity? 

Payoff credit card debt, car loans and other higher interest debts is a win-win solution for you. You could even have one without tapping into and save it for rainy days.   left

Is it time to refinance?

The timing might be right for mortgage refinancing to lower your home mortgage rates. FHA streamline refinance provides no income, no asset documentation. True survivor in stated income loan.