Aaron Shakespear NMLS #1488257 - Coal Creek Mortgage

Aaron Shakespear NMLS #1488257 - Coal Creek Mortgage Coal Creek Mortgage NMLS 2472472
Loan Originator NMLS 1488257
Equal Housing Opportunity

Did you know that applicants who own their own business go through a different home loan approval process than those who...
07/03/2023

Did you know that applicants who own their own business go through a different home loan approval process than those who do not? That list may look scary but I’m here to make it easy! Give me a call today.

Our mission: your VA home loan. No down payment. Low interest rates. Fast closings. Call us today.
06/27/2023

Our mission: your VA home loan. No down payment. Low interest rates. Fast closings. Call us today.

You will be allowed to do a final walk-through of your new home usually around 3 days before closing. It’s not a time fo...
03/14/2022

You will be allowed to do a final walk-through of your new home usually around 3 days before closing. It’s not a time for conducting home inspections or to begin negotiations with the seller to do repairs, but rather to make certain that everything is in working condition and that the property is in the same condition you agreed to buy. Any problems you spot after closing fall on you to fix, so make your walk-through thorough.

Settlement is agreeing to the final paperwork between buyer and seller needed for the transaction. You will go and sign ...
03/10/2022

Settlement is agreeing to the final paperwork between buyer and seller needed for the transaction. You will go and sign the final documents to gain ownership as well as pay closing costs. You will need to wait until closing has taken place to receive keys to the property.

When you apply for a loan, as your lender I will give you a Loan Estimate. This form is to help you understand the full ...
03/07/2022

When you apply for a loan, as your lender I will give you a Loan Estimate. This form is to help you understand the full cost of the mortgage, including fees and interest. Be aware that the amounts listed in the Loan Estimate are only estimates. Actual costs may vary. At least three days before the settlement, as your lender I will give you the Closing Disclosure. This form will help you know what to expect on closing day. It will give you a breakdown of your home loan, and how much cash you will have to bring, if any.

An appraisal will give you a detailed report on the value of the home by inspecting living conditions and the quality of...
03/03/2022

An appraisal will give you a detailed report on the value of the home by inspecting living conditions and the quality of property. This allows the lender to determine the real value of the home and to make sure the house is worth the amount of money they are lending you.

Closing, also known as funding, is the official transfer of monies and title. This is when the documents you just signed...
02/28/2022

Closing, also known as funding, is the official transfer of monies and title. This is when the documents you just signed are recorded with the county and funds have been transferred from buyer to seller. Once it has closed, you own your new home! Call 435.592.0039 to learn more.

If you have a first and second mortgage, its likely one has a higher interest rate than the other. After a certain perio...
02/25/2022

If you have a first and second mortgage, its likely one has a higher interest rate than the other. After a certain period of time, you may be able to refinance your home and combine your mortgages into one lower interest rate mortgage. Call at 435.592.0039 to learn more.

It is important to review the property condition disclosure very carefully. You will receive a form from the seller that...
02/21/2022

It is important to review the property condition disclosure very carefully. You will receive a form from the seller that details all the physical problems and defects of the property that the seller is aware of. This form is not a warranty of any kind, or a substitute for any inspections or tests. You have the responsibility to review the seller’s disclosures and investigate everything you want to know about the property during the due diligence period.

Adjustable rates are based widely upon the index rate changes in the market and your loan margin. During periods of fall...
02/17/2022

Adjustable rates are based widely upon the index rate changes in the market and your loan margin. During periods of falling interest rates, an ARM can allow you to save money if the rate drops lower than your initial rate was. Also, if you expect to sell your house before your fixed-interest period ends, depending on the market an ARM could save you money. Consult with me at http://aaronatcardinalfinancial.com/ or call 435.592.0039 to learn more about what an adjustable-rate mortgage would look like for you.

You can get cash from the equity your home possesses. Although you will be owing more money on your home doing this, you...
02/14/2022

You can get cash from the equity your home possesses. Although you will be owing more money on your home doing this, you can invest your cash into other areas of your life as needed. Call at 435.592.0039 or contact me here http://aaronatcardinalfinancial.com/ to refinance today.

Address

337 S Main, Suite #210
Cedar City, UT
84720

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14355920039

Website

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