Interest Rates

All Mortgages are NOT created equal! You have to find that one that fits your needs properly….then get rates!

We don’t believe in posting false rates to get you on the phone. The fact is that posting a rate is only good for about 10% of the people that apply. Why? Well, that is simple. All of the following variables contribute to the rate you are able to get.

• Down Payment or Equity in your home
• Your Credit Profile
• Your Income
• Your Debt
• The Type of Home
• The Type of Mortgage
• Income Flow
• How long you intend to keep your mortgage.

In addition to those factors there are the choices that are available today. Years ago there were only the 30 year and 15 year options. Sure, you could have done a variable rate mortgage but they were dangerous.

Today, your choices are endless. Other factors are involved such as mortgage insurance and creative products like pick a payment loans.

YOU NEED ADVICE! That’s what we are here for.

If a 30 year mortgage is right for you, then great. But what if there is a better option?