48 Meriden Rd, Suite 1, Middlefield, CT 06455

Category: First Time Home Buyer

Make your offer stand out with an Appraisal Waiver

What is an Appraisal Waiver? An Appraisal Waiver is when you qualify to skip the appraisal process when obtaining a mortgage. Why is this a big deal when putting in an offer to buy a new home? It tells the seller that there is no risk of the home appraising lower than your offer price…
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The Purchase Process

1.) Speak with us to get pre-qualified. 5% 2.) Submit Supporting Documents 10% 3.) Receive Pre-Approval Letter. 15% 4.) Work with qualified, and professional Realtor. (We can recommend people) 20% 5.) Find a home that you desire, and make an offer with the guidance of your realtor. 25% 6.) Take a copy of your check…
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How to Avoid Fake Pre-Approvals

How to Avoid Fake Pre-Approvals By Selena Boyts   You receive a call from an enthusiastic and considerate representative claiming to have an attractive pre-approved loan offer. Before getting too excited, pause and think before you act. More often than not, such calls are made by fraudsters or lenders trying to pull a fast one.…
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The Difference Between Preapproval and Prequalification and the Importance of Preapproval

A prequalification does not require you to fill out an application; It simply relies on the information that you provide. A preapproval requires you to fill out an application and authorize your mortgage broker to pull your credit. I can provide you with either of these. I can tell you quickly what you will qualify…
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Mortgage Broker or Bank?

There are many reasons why it can be better to work with a mortgage broker instead of a bank when you are trying to get a home loan. A great mortgage broker will work very hard for you to find you the best product and to help you get into your new home as quickly…
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Am I Ready to Be a First Time Home Buyer and What are the Steps to Buying a Home?

Do you have a stable job with stable income? Do you have good control of your monthly debt payments and a decent credit score? If you answered yes, then you are probably ready. The first step to find out if you are ready to purchase a home is talking to a mortgage professional. A local…
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What Are the Benefits of Buying a Home Instead of Renting?

What Are the Benefits of Buying a Home Instead of Renting? You never have to worry that your landlord will raise your rent With a fixed rate mortgage your monthly principal and interest mortgage payment will remain the same for the life of your loan. You are never left wondering if your landlord will increase…
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Why is it important your Pre Approval Letter has been “Verified”?

One of the most important components of a prospective homebuyer’s offer is the Pre Approval Letter.  As our culture has evolved to a have-it-now mentality some online lenders have begun to take shortcuts.  These online lenders and banks have started to issue pre-approval letters simply to win over a borrower’s business without really doing a…
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What goes into determining interest rates?

The most common question asked when talking about mortgages is…  “What are today’s rates?” Ever ask yourself what determines these rates? Here is a quick list of what goes into determining the interest rate on your mortgage: Loan Amount – Loans over conventional limits are called Jumbo Loans and may have different pricing. This pricing…
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HOME BUYER’S CHECKLIST for   1ST TIME HOME BUYERS √ Get Pre-Qualified with a Broker! Your first move when entertaining the idea of purchasing a home is to find a broker like myself. When you reach out I can answer any questions you may have and we can begin working together to get your base line…
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