You have to factor in many variables including closing costs, down payment, mortgage insurance, how long you plan on having the loan and/or the house and what you're comfortable with paying on a monthly basis. I spend the time with my customers to help them understand the options available to them so that they can CHOOSE the right mortgage. I won't just tell you a rate and move on. I have a backgr
ound as a Realtor and understand the market and home buying process very well. Whether you're a first time home buyer, an empty nester looking to downsize, a homeowner who wants to do some remodeling, you're looking to lower your monthly or you want to pay off your home quicker I will spend the time to make sure you understand exactly what type of loan you're getting and help you make sure it's the right loan for you. See what my customers have said about me - https://www.zillow.com/lender-profile/TimSteinbrecher/
