Do you like options?

One of the best reasons to work with a mortgage professional is that I work with a wide variety of lenders. Unlike your local bank branch, which can only offer you a mortgage (and mortgage rate) from their own suite of products, I have access to many different lenders. When we review finance options, you…

How Pre-Approval Protects

There are so many benefits to getting pre-approved for a mortgage prior to beginning your new home search. It allows you to know the budget within which you should search and it also allows you to confidently make an offer when you’re ready. The other big benefit to getting pre-approved is that it offers you…

Should I lock it in?

With interest rates rising, it’s only normal that I get asked this question a lot. Should I lock in my mortgage? The reality is, that there is no one answer to this. When working with a client, we evaluate their personal mortgage situation. Everyone is unique and therefore we cannot recommend a locked-in rate for…

What you need to know about down payments

If you are purchasing a home that is $500,000 or less, the minimum down payment is 5% or less. If your down payment in this price range is less than 20%, you will require mortgage default insurance. If you are purchasing a home that is over $500,000 but less than $1 Million, a down payment…

Does credit score really matter?

It sure does! Your credit score is a fast pass to great mortgage rates and excellent terms. It’s essentially proof that you can be trusted to make payments if you’re given a loan of any kind. A high credit score means you’ll get access to the best mortgage rates on the market and have more…

My Top Tips for Securing a Mortgage

If this is your year to buy a home and secure a mortgage, I want to share with you my top tips for securing a mortgage in 2022. 1) Have a plan: I always recommend having a plan, but even more so when you are shopping in a competitive market with rising interest rates. Before…