Chris Tobin - Executive Mortgage

03/26/2026

01/04/2026

Mortgage Insurance commonly known as PMI is additional payment coverage if you have less than 20% equity in your home. This protects the lender in case of default. To avoid this, try to work towards 20% down payment on your home purchase.

01/01/2026

IT'S OFFICIALLY 2026, HAPPY NEW YEAR EVERYONE!!!

12/29/2025

As an example, if you owe $150,000 on your mortgage and your house has an estimated value of $300,000, you have $150,000 of equity in your home. Some of this equity can be used to payoff other debts like credit card balances and improve your monthly cash flow. If you have a large amount of debt (especially on credit cards) reach out to me and we can discuss options to help you save on your monthly payments.

12/08/2025

Great game and win with some good old buddy’s from college. Even the bears fan. Go PACK! and F@&; the Bears!

11/27/2025

Happy Thanksgiving. Enjoy the time with Friends and Family.

11/24/2025

When a home buyer gets an accepted offer on a house, earnest money is typically required. Most of the time, this is a percentage of the purchase price that is given up front to help show the seriousness of the buyer. Ultimately, the earnest money will go towards the down payment on the purchase at closing.

11/17/2025

The debt to income ratio (DTI) is a very important ratio and ultimately will dictate how much buying power someone looking to purchase a house will have.

11/14/2025

It's a FIVE STAR Friday. Thanks for the awesome review.

11/10/2025

Over time, property will increase. The equity built in your home through paying down a mortgage and land appreciation is great for homeowners. This equity can be leveraged in the future to consolidate debt, for future purchases, or for lack of a better term a better $ return on your investment (house) should you sell it.

11/06/2025

Got to love a good 5 star review. Thank you Jason.

For anyone in a VA mortgage that was closed in the last 2 to 3 years, give me a call for a free rate/payment quote. Rates are down and the VA IRRRL refinance option is a quick and easy option for you the homeowner.