Jim Paulino - Senior Loan Officer

04/30/2022

02/28/2022

Do you know what a co-borrower is for?
A Co-Borrower is any additional borrower(s) whose name(s) appear on loan documents and whose income and credit history are used to qualify for the loan. All Co-Borrowers are equally responsible to repay the loan!

02/23/2022

Mortgages are my specialty. Unlike some others, I’m always working to make sure I have the latest and greatest information when it comes to your home loan. Call me today to hear about the low rates and programs available to save you money now!

02/21/2022

Do you have two months’ rent saved? That might be all you need for a down payment on a home of your own! Call me to learn more, let's talk about your options!

02/18/2022

Gathering financial documents is a thing of the past. Call me today for a faster, easier mortgage.

02/16/2022

Do you have two months’ rent saved? That might be all you need for a down payment on a home of your own! Call me today to learn more!

02/14/2022

What's more romantic than saving money together? Refinance your way into a better mortgage rate (and use the monthly savings for a regularly scheduled date night through the rest of 2022).

02/11/2022

When your credit score goes up, your mortgage rate goes down. Let me show you how math can work in your favor!

02/09/2022

Closing costs, aka settlement costs, are fees paid to a lender in exchange for closing a loan. They can include the appraisal fee, title insurance, pest inspection, and more.
Looking for more expert advice? Reach out and get started today!

02/07/2022

Speed matters! I understand the appraisal can be the slowest, trickiest part of buying a new home. Learn how we can work together to make sure your home buying needs are met, from pre-approval through getting the keys!

02/04/2022

If you’re tired of renting and curious whether buying a home of your own is even possible, give me a ring. I’ll crunch the numbers to give you a clear picture of what you can qualify for now – or give you a path for meeting your goals in the future.

02/02/2022

1. Property Valuation
This is the big one. Appraisals determine the value of your home and protect banks from lending out more money than what a home is worth. They also protect you, the borrower, from overpaying for a home. Before scheduling an appraisal, it’s a good idea to make sure your home is in tip-top shape. Make sure everything (smoke detectors, appliances, windows, etc.) is working properly.

2. Interest Rates
Interest rates are highly impacted by the value of your home, in addition to other factors such as credit scores and debt to income ratios. For example, if your appraisal comes back and shows that your home value went up, you may qualify for a better interest rate. I am, as an independent mortgage broker, able to guide you through finding a solution that’s best for your financial situation.

3. Closing Turn Times
Your loan cannot be closed until an appraisal is complete. If for some reason your appraisal gets canceled or delayed, your loan might not close within the timeframe you were expecting. It’s important to be flexible.