Frequently Asked Questions << backI have bad credit, can I still qualify to buy a home?
YES, In most instances you can! We have access to many loan programs to help you qualify for your dream home regardless of poor credit. And in many other circumstances where your credit still prevents you from qualifying for a home, we have access to several resources to help you start repairing your credit now!
I don’t have much cash, can I still buy a home?
YES, Depending on the circumstance, we can get you into a new home without much upfront cash at all. It takes the joint efforts of our professional real estate consultants as well as our mortgage advisors to make it all possible, but it can happen! Contact us for more details on how!
I already own multiple properties, can I still buy a home?
YES, and in many situations it can work to your benefit. Ask our mortgage professionals how we can structure your loan to use your assets as a benefit in the loan process.
When is the right time to refinance?
You typically answer this question by first assessing your personal mortgage situation and then establish your financial goals. These are the traditional reasons to refinance: get a better rate to reduce payments, consolidate debts, convert the type of loan such as adjustable to fixed, or change the terms of the loan.
Often times, the need to refinance is somewhat complicated. That is why we recommend you contact our professional loan consultants to assist you with your next mortgage decision.
What is the difference between a mortgage broker and a lender... and which is better?
Alender is typically a financial institution that provides loan products to borrowers. Each lender traditionally has their own niche or area of expertise. A mortgage broker is a professional whose job is to "shop" a wide array of lenders in order to find the exact loan program best suite for the borrower's needs.
Often times it works more for the benefit of the borrower to consult the services of a mortgage broker to ensure that many more potential loan programs are considered before committing to the right one.
*All info included is circumstantial and is not absolute for all clients. Inquire here for more information on your particular situation