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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are several considerations to be made in terms of finding the best mortgage for each individual:

What type of market are you in? Are the interest rates falling or rising?
Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?

Recent Blog Posts

Getting the Highest Price in the Shortest Time

Discover the essential strategies for marketing your home effectively to secure the best price.

Documenting Your Assets - Verifying Your Down Payment

Learn how to properly document your assets and verify your down payment for a smooth home buying process.

Closing Costs When Buying or Refinancing a Home

A comprehensive guide to understanding the various closing costs involved when buying or refinancing your home.

Getting A Legitimate Lender and Getting Pre-Approved

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender.

FICO® Scores and Your Mortgage

Understand how your FICO® score influences your mortgage approval, interest rates, and overall home buying power.

Why Do You Need Title Insurance?

Discover why title insurance is a vital investment for homebuyers to protect their property rights and ensure peace of mind.

Closing and Title Costs

Demystifying the closing process: A guide to understanding title and settlement costs for your new home.

Thinking About Buying a Foreclosure?

Learn the risks, the different types of foreclosures, and the essential steps to protect your investment.

Understanding Foreclosures

Foreclosed properties are very likely to be burdened with overdue taxes, liens and clouded titles.

Work With Sonya

Looking for a Realtor® who listens and guides you personally? Let’s talk about your goals and create a real estate plan that fits your next chapter and priorities.