HOW MUCH CAN YOU AFFORD
There are two basic formulas commonly used by lenders to determine how much of a mortgage you can reasonably afford. These formulas are called "qualifying ratios" because they estimate the amount of money you should...full story

THE ADVANTAGES OF PRE-APPROVAL
The advantages of pre-approval are often overlooked because it is much more fun to go out and search for a new home without worrying about how much you can afford, etc. It is hard to pass up a day of driving around and looking at all of the...full story

MORTGAGE LOAN TYPES
If you anticipate living in your home for many years, the interest rate may be the main factor for you. If you expect to keep the house for only a short period of time, the closing costs may be more important to you. If you want to have...full story

LOCKING IN YOUR RATES
When you are looking for a mortgage, you're likely to shop among lenders for the most favorable interest rate, the lowest points, and other up-front charges. When you find the most favorable terms and the lender that you want...full story

LOAN DOCUMENTATION - WHAT YOU NEED
In order to process your loan, we will need documentation to verify the information you provide on your Mortgage Application. In most instances, we will require the original document, not a photocopy. We will also need a copy...more details