Independence Mortgage Guy

Searching through listings and finding the perfect property that will suit your requirements, wants, and dreams can be hard enough.

There's so much to think about when deciding whether a property is THE ONE for you.

It doesn't matter whether it's your very first home, 2nd house, final dream home, or a residential or commercial property that will assist you earn some extra earnings, looking for that brand-new address is a chore in and of itself, albeit a fun one. So I firmly think that ...

Your Home loan Loan provider Shouldn't Even more Make complex the Process

That's why I am here to help you find your method through the frustrations and confusions of house-hunting to the joyous happiness of own a home. I will work diligently to make sure that despite whether you're a very first time home purchaser, are looking to re-finance, are interested in buying a rental property, or are lastly ready to pursue your dream home, I can help make your objectives become a reality. Let me help you navigate the labyrinth of acquiring a home with relative ease.

Have a couple of questions? That's perfectly fine! A lot of folks do and I motivate you to ask as lots of questions as you can think up. Regardless of whether you're aiming to buy a brand-new home or you're seeking to re-finance your existing house, I'm here to respond to all your questions and to guarantee that you're comfortable with the choices you're making about your future loan.

You can likewise see my most Frequently Asked Questions by Click on this link.

You've got enough on your mind: let me relieve your concerns concerning your future mortgage.

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

Ready to Apply for your Mortgage or Refinancing?

Maybe you find yourself in a slightly different scenario than the one summary above. Maybe this isn't your very first home purchase or maybe you're looking at purchasing a rental home. Because case, it's a reasonable presumption that you've currently done quite a bit of research study which you have an idea of exactly what kind of loan you're searching for. If you believe you have actually already explored all your options, have the ideal residential or commercial property picked out, and comprehend the different types of home mortgages readily available, you may be anxious to move on.

So let's fast lane this:

Can you answer yes to any, or all, of the following concerns?

  • Have you currently spent a long time evaluating mortgage and the lingo that opts for it?

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

  • Are you done researching and feel prepared to take the next step?

  • Have you already discovered a residential or commercial property that you have an interest in?

  • Have you assessed a number of lenders and seem like you've discovered the one that best suits you?

Because case, exactly what are you awaiting?

Merely click the button listed below to fill out your loan application and I'll be in touch with you in as low as 24-48 hours! We'll review your application together and I'll let you know if there's any additional information I have to get you moving in the ideal direction.

Mortgage Lender Independence

Let's Talk About VA Loans

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 might receive a VA Loan!

Is this a new concept to you? Or have you just started to discover VA Loans? Possibly you're not even sure exactly what the benefits of a VA Home mortgage are. If that's the case, let's review some of the advantages of getting approved for a VA Home mortgage:




  • Most of the times, there is no down payment required! (As opposed to the 3% or 5% that other types of loans require).

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

  • The VA Loan limits buyer's closing expenses, lowering your expense expenditure on closing day.

  • The VA Loan has a lower average rate of interest than other loan types. It currently has the lowest rates of interest from all the loan alternatives.

  • There are no prepayment penalties. You can pay off your home loan early without any monetary repercussion.

  • Plus numerous more!

If you think you qualify for a VA loan or want to discover more about them and how they might benefit you, complete the kind below and I'll enjoy to discuss your alternatives with you!

If you are:.

  • US Armed force 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 ought to definitely talk with someone about it prior to making an application for a mortgage! You can likewise Click Here to obtain more information.

I can also assist you get your Certificate of Eligibility! Contact Me today to find out more.

I'll deal with you to identify if this is the best course for you to take or if there's another loan that may fit your needs much better. It's my job to ensure that you discover the best mortgage to fit you and your present circumstance!

What should you expect from your Home loan Loan provider?

Most lenders would say that you ought to search for a lender who offers you the very best possible rate, wants to make the effort to thoroughly address your concerns, and works relentlessly to get you into your dream home.
Many loan providers know ways to talk the talk, however when it boils down to it, they don't constantly fulfill their own proclaimed criteria.

I prefer to GO BEYOND expectations.

That's why I:.

  • Work at your rate.

  • Put in the time to completely and thoroughly answer all your concerns.

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

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

  • Am not pleased up until you're happy.

To me, it's easy. You are worthy of to understand every element of your loan and you should have to feel comfortable and confident with your future own a home.

You likewise are worthy of a loan provider who wants to make the effort to comprehend your life and monetary circumstance so that they have the ability to match you up with the ideal loan for you. One that will not irritate you, puzzle you, or leave you in an overwhelming situation that leaves you feeling buried without any hope of digging yourself out.

You should have somebody who genuinely cares that you're happy with the loan you receive which you totally comprehend the details and its performance.

I take additional steps to make sure that you receive all this and more.

However, you definitely don't need to take my word for it.

Fill out the kind above to connect and I'll more than happy to begin answering your questions. If, after talking and discussing your financing requires, you feel that I'm not the appropriate lending institution for you, it's no problem! You're under no commitment to proceed. You can take the info I have actually provided you and utilize it to help you discover a better suited loan provider for you.

Lending Institution Independence

Everything You Need to Know About Physician's Loans

Let me ask you this: Are you an MD or a DO? If so - even if you have not started your new job yet, but have one awaiting you - you may receive a Physician's Loan!

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

Maybe you have not ever become aware of a Doctor's Loan. Or possibly you've just heard them referenced, but you have no idea if you certify or if they would be a good suitable for you and your present circumstance.

Let's quickly discuss the essentials:.

For starters, not every loaning company is enabled to offer them, so prior to you select your mortgage lender you have to make sure that you're dealing with a lending institution that is licensed to supply that type of loan.

Luckily for you, I am one of those loan provider!

Now that we have actually established that you're in the right place, let's talk a bit more: a physician's loan is a special home mortgage, offered just to MDs and DOs, with appealing terms and unique qualities not discovered with other traditional loans.

What are these appealing terms and special qualities?

The benefits consist of:.

  • Absolutely no or extremely low deposit needed.

  • No personal mortgage insurance "PMI".

  • No rate boosts on jumbo loans (normally loans larger than $424K).

  • Based on a physician's signed employment contract.

  • Allows closing up to 90 days before you start your brand-new task.

  • Less important of student loan financial obligation.

Interested in learning more? Excellent! Merely complete the Purchase New Home kind and we can get going! Or skip the intermediary actions and fill out an Application today!

Even if you have not begun your brand-new task yet, as long as you're at least within 90 days of assuming your new position, you more than likely qualify for a Doctor's Loan.

So let's talk today!

I'm here to address all of your questions and to make sure that you get the very best possible loan for you and your brand-new house. Even if a Physician's Loan isn't the right step for you, I will work diligently to ensure that we have the ideal loan fit for you and your existing situation!

Do not think twice; contact me today!

Mortgage Lending Independence

Mobile Phone Calculator App

Learn More

Have you simply started the procedure of considering whether you're ready to buy your first, or next, brand-new home? Perhaps it's been some time given that you went through the mortgage loan procedure and are a little worried to undertake it once again. Or perhaps you still have some unanswered questions from how your first home mortgage worked. I'll be the first to admit that at face value, the whole procedure looks rather daunting. There can be a great deal of documentation and if you're using a lending institution that you do not especially trust or who is sluggish to address your questions, or does not answer them as thoroughly as you 'd like, it can make the whole procedure that much worse. Whether your lender is incredibly busy or simply slowed down in their own documentation, if they're slow to react to you, it can make you seem like you're alone in the process, which can be scary and frustrating.

I want to put your mind at ease and enable you delight in looking for your next home. I want you to eagerly anticipate unpacking that very first box and costs your opening night there. I desire you to be able to relax, unwind, and enjoy laughing over the peculiarities of houses you look at, envisioning yourself or your family flourishing within the home, and taking the next step in your life. What I don't want is you worrying and stressing over every detail or feeling too confused to enjoy exactly what need to be a delighted experience.

That's why I work extra hard to ensure that all your questions are answered in as terrific of detail as you 'd like. I do not wish to more make complex the procedure; I 'd rather streamline it for you so you can rest assured knowing that you're relocating the exact instructions you wish to be.

So click the links below to learn a little bit more about New Home Getting and Refinancing. Don't hesitate to reach out if you have additional concerns you 'd like answered prior to filling out your application.

Or simply click the button below to start filling out the application for your home mortgage.

In any case, I assure to react in a fast and effective way and I guarantee that your concerns will get answered.

New Home Purchase