Gina Cockman - Loan Officer

09/02/2026

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while adjustable-rate loans may start with a lower rate that can adjust over time. Your future plans for the home can help determine which path is right for you. Reach out to learn more about your mortgage options.

08/31/2026

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home purchase without including their current mortgage payment in the debt-to-income calculation, subject to program guidelines and qualification requirements. Individual results vary, and mortgage approval remains subject to application, underwriting, and credit approval. Contact me to learn more.

08/29/2026

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government bonds may be considered differently when calculating reserves. Understanding how your assets are evaluated can help you prepare for home financing. Contact me to learn more.

08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/27/2026

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn more.

08/25/2026

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.

08/23/2026

Applying for a mortgage soon? Gathering these 5 documents ahead of time can help keep the process moving.

08/22/2026

Buying and selling at the same time can be challenging. The Cash to Win program may help eligible homeowners move forward with their next purchase by providing a conditional commitment to purchase their current home if it does not sell by an agreed-upon date. Program participation is subject to eligibility, property review, valuation, contractual terms, and other conditions. Contact me to learn more.

08/21/2026

Rates moved higher during the week ending August 21, 2026, due to pressure from global bond concerns and rising oil prices. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/19/2026

Preparing to buy a home starts before you apply. Learn how improving your credit, building savings, and managing debt can help in our latest blog on my website.