• Thinking about buying your first property?
  Purchasing a first home is a major milestone in life but the mortgage process can feel a little bit overwhelming. The paperwork, requirements and fees can be complex and confusing, particularly the first time you deal with them. I are here to help.

  Once you’ve decided that you are ready, both financially and mentally, to take on the responsibility of homeownership, then the the next steps are to examine and evaluate each of the loan options available so you’re sure to get the best rates and terms possible. With a little bit of patience, you’ll be well on your way to a happy home buying experience.

  Call or email today for more details.

• What is Mortgage Refinancing?
  There are many reasons people refinance their mortgage but the most common ones are to save money on their monthly bill or over the life of their loan. That said, some people also take advantage of refinancing to shorten the length of their mortgage or to get some of their equity out of their home to cover other expenses.

  Regardless of why you’re thinking about refinancing, it’s important to weigh all your options and come up with a strategy that makes sense for your personal financial goals.

• Mortgages for People New to the United States
  With newcomers to the United States playing an ever-increasing role in the future population growth, mortgage financing is available to borrowers with a permanent and non-permanent residence status with the goal of helping newcomers to the United States realize their dream of homeownership

  A good place to start is an FHA (Federal Housing Administration Loan). Since there are no income limits, almost anyone can get an FHA loan. However, there are limits to how much you can borrow. The Housing and Urban Development (HUD) website will help you quickly find your mortgage limit.

• Low rates and excellent options for self-employed individuals looking to get mortgage financing.
  When it comes to mortgages, it hasn’t always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.

  I work with lenders that offer excellent mortgage options for self-employed Americans. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

A range of financing options to meet your home improvement needs
Whether you’re planning a major home renovation or a small project, I offer financing options to help meet all your home improvement needs. There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort.

Making improvements on a property is a great way to increase its value, to make it a more enjoyable place to live and potentially save more money on energy bills. Whether you’re buying a fixer-upper home or you’re dreaming of new windows, a new kitchen or expanding the master suite in your current home, I have the expertise to help you get the job done.