Excelsior Springs Mortgage Guy

Searching through listings and locating the best property that will suit your needs, desires, and dreams can be challenging enough.

There's a lot to consider when choosing whether a property is THE ONE for you.

It doesn't matter whether it's your first house, second, last dream house, or a residential or commercial property that will assist you with some additional earnings, looking for that brand-new address is a task in and of itself, albeit a fun one.

So I strongly think that ...


Your Home Loan Lending Institution Shouldn't Further Complicate the Process

That's why I am here to assist you with your way through the frustrations and confusions of house-hunting to the joyous pleasure of owning a home. I will work diligently to make sure that no matter whether you're a very first time house purchaser, are seeking to refinance, are interested in purchasing a rental property, or are finally all set to pursue your dream home, I can assist make your objectives become a reality. Let me assist you through the labyrinth of purchasing a house with relative ease.

Have a number of concerns? That's perfectly fine! A lot of folks do and I encourage you to ask as many questions as you can think up. No matter whether you're looking to acquire a brand-new house or you're planning to refinance your current home, I'm here to answer all your questions and to guarantee that you're comfortable with the decisions you're making about your future loan.

You can also see my most Frequently Asked Questions by clicking this link.

You have enough on your mind: let me reduce your concerns concerning your future home mortgage.

Click the buttons above to begin the procedure or avoid to the chase and click the button below to start your loan application!

Ready to Get Your Home Loan or Refinancing?

Maybe you find yourself in a slightly different situation than the one outlined above. Possibly this isn't your first house purchase or maybe you're taking a look at purchasing a rental home. If that's the case, it's a fair presumption that you have already done a fair bit of research study and that you have a concept of exactly what type of loan you're looking for. If you believe you have already explored all your options, have the perfect residential or commercial property chose, and understand the different kinds of home loans offered, you may be anxious to move forward.

So let's fast track this:

Can you respond to yes to any, or all, of the following questions?

  • Have you spent some time evaluating mortgages and the terminology that goes with it?

  • Have you been through this before and understand precisely what you're trying to find in a mortgage?

  • Are you well studied and feel ready to take the next action?

  • Have you already found a property in Excelsior Springs that you're interested in?

  • Have you assessed numerous lending institutions and feel like you've discovered the one that best suits you?

In that case, exactly what are you waiting for?

Just click the button listed below to complete your loan application and I'll be in touch with you in just 24-48 hours! We'll review your application together and I'll let you understand if there's any additional details I need to get you moving in the right direction.

Here's exactly what you need to know about VA Loans

Mortgages Excelsior Springs

Are you a United States Veteran? Are you currently serving in the United States military and have been for a minimum of six months? If so, it's possible that you may qualify for a VA Loan!

Is this a new concept to you? Or have you only begun to learn about VA Loans? Maybe you're not even sure what the advantages of a VA Home Loan are. If that's the case, let's discuss a few of the benefits of qualifying for a VA Mortgage:

  • Most of the time, there is no down payment needed! (Rather than the 3% or 5% that other types of loans require).

  • There is no month-to-month home mortgage insurance premium included in your payment, which lowers your regular monthly payment!

  • The VA Loan restricts buyer's closing expenses, decreasing your expenses on closing day.

  • The VA Loan has a lower typical interest rates than other loan types. It presently has the most affordable rate of interest from all the loan options.

  • There are no prepayment charges. You can pay off your mortgage early with no financial effect.

  • Plus several more!

If you think you qualify for a VA loan or want to discover more about them and how they may benefit you, submit the form below and I'll more than happy to discuss your alternatives with you!

If you are:.

  • A United States Military Veteran.

  • Currently Serving in the United States Military and have actually been for at least 6 months

Then you may qualify for a VA loan and should absolutely talk with someone about it prior to obtaining a home mortgage! You can also click on this link to get more details.

I can likewise assist you get your Certificate of Eligibility! Contact Me today to read more.

I'll work with you to determine if this is the best course for you to take or if there's another loan that may suit your requirements much better. It's my task to make sure that you find the very best home mortgage to fit you and your present scenario!

What Can You Expect From Your Mortgage Lender?

Most lenders would state that you ought to try to find a lending institution that provides you the best possible rate, is willing to make the effort to thoroughly address your questions, and works tirelessly to put you into your dream house.

Most lenders know the best ways to talk the talk, but when it comes down to it, they don't consistently fulfill their own proclaimed requirements.

I prefer to SURPASS expectations.

That's why I:

  • Work at your speed.

  • Take the time to entirely and completely answer all your concerns.

  • Will work diligently to make sure you're never puzzled or overwhelmed.

  • Will check out every option to make sure you're getting the very best loan for you.

  • Am not happy till you're happy.

To me, it's pretty simple. You deserve to comprehend every aspect of your loan and you deserve to feel confident with your future home ownership.  

In addition, you are worthy of a lending institution who wants to take the time to understand your life and financial circumstance so that they have the ability to match you up with the ideal loan for you. One that won't frustrate you, puzzle you, or leave you in an overwhelming circumstance feeling buried without any hope of digging yourself out.

You deserve somebody who genuinely cares that you are more than happy with the loan you get and that you totally comprehend the information and its functionality.

I take additional actions to make sure that you get all this and more.

However, you absolutely don't have to take my word for it.

Complete the form above to connect and I'll be happy to start answering your questions. If, after talking and discussing your financing requirements, you feel that I'm not the suitable lending institution for you, it's no problem! You're under no responsibility to proceed. You can take the information I've given you and use it to help you find a better lending institution for you.

Let's Discuss Physician's Loans

Mortgage Lending Excelsior Springs

Let me ask you this: Are you an MD or a DO? If so - even if you have not begun your brand-new job yet, but have one waiting for you - you might qualify for a Physician's Loan!

So what is a Physician's Loan and why are they so unique?

Maybe you have never heard of a Physician's Loan. Or perhaps you've just heard them referenced, but you have no idea if you qualify or if they would be a great fit for you and your present scenario.

Let's quickly review the essentials:

For starters, not every lending company is permitted to offer them, so prior to you picking your home mortgage lender you have to ensure that you're working with a lending institution that is authorized to supply that kind of loan.

Luckily for you, I am one of those lending institutions!

Now that we know you're in the right place, let's talk a bit more: a physician's loan is a special type of home mortgage, available just to MDs and DOs, with appealing terms and distinct qualities not found with other traditional loans.

Exactly what are these appealing terms and distinct qualities?

The advantages consist of:

  • Absolutely no or an extremely low down payment required.

  • No private home loan insurance coverage "PMI".

  • No rate increases on jumbo loans (typically loans larger than $424K).

  • Based upon a doctor's signed employment contract.

  • Enables closing up to 90 days prior to you beginning your brand-new job.

  • Less critical of student loan financial obligation.

Interested in learning more? Excellent! Just complete the Purchase New Home form and we can get started! Or skip the intermediary actions and complete an Application today!

Even if you have not started your new job yet, as long as you're at least within 90 days of assuming your new position, you most likely qualify for a Physician's Loan.

So let's talk today!

I'm here to answer all your questions and to make sure that you get the very best possible loan for you and your new home. Even if a Physician's Loan isn't really the right action for you, I will work diligently to guarantee that we have the ideal loan fit for you and your current situation!

Do not think twice; contact me today!

Mortgage Lender Excelsior Springs

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Discover more

Have you just began the process of determining whether or not you're ready to purchase your very first, or next, new home?

Possibly it's been some time since you went through the home loan procedure and are a little nervous to undertake it once again.

Or maybe you still have some unanswered concerns from how your very first mortgage functioned.

I'll be the very first to confess that at stated value, the whole procedure looks rather daunting. There can be a great deal of paperwork and if you're using a lender that you do not particularly trust or who is slow to address your questions, or doesn't address them as completely as you 'd like, it can make the whole procedure that much worse. Whether your lending institution is incredibly busy or merely bogged down in their own paperwork, if they're sluggish to react to you, it can make you feel like you're alone in the process, which can be frightening and frustrating.

I want to put your mind at ease and permit you take pleasure in searching for your next home. I want you to anticipate unloading that first box and spending your first night there. I want you to be able to relax, unwind, and take pleasure in chuckling over the peculiarities of homes you take a look at, envisioning yourself or your family thriving within the house, and taking the next step in your life. What I don't desire is you worrying and fretting over every information or feeling too puzzled to enjoy what should be a pleasant experience.

That's why I work diligently to ensure that all your questions are responded to in as excellent of detail as you 'd like. I do not wish to further complicate the process; I 'd rather simplify it for you so you can rest assured knowing that you're moving in the precise direction you wish to be.

So click the links listed below to find out a bit more about New Home Purchasing and Refinancing. Feel free to connect if you have additional questions you 'd like addressed prior to submitting your application.

Or merely click the button above to start filling out the application for your home loan.

Either way, I promise to respond in a quick and efficient way and I promise that your concerns will get answered.

New Home Purchase