The Sauk Mortgage Group

The Sauk Mortgage Group Mortgage Lender offering all forms of residential lending. NMLS # 1879972, Joe Sauk NMLS # 589820 Call today for your experienced and trustworthy physician lender.

Joe Sauk has been originating loans at Huntington since 1993 and his main speciality is physician loans. Located in Central Ohio, we assist residents, new doctors and experienced doctors in the following fields: MD, DL, DDM and DDS. Huntington has an amazing mortgage program and is very aggressive on loans.

When you find the right house, sometimes you need to move fast. Reach out today to discover how you could get an initial...
05/30/2026

When you find the right house, sometimes you need to move fast. Reach out today to discover how you could get an initial approval in as little as 15 minutes!*

Real estate agents: If you have homebuyers looking to upgrade, give me a call. From qualification criteria to interest r...
05/27/2026

Real estate agents: If you have homebuyers looking to upgrade, give me a call. From qualification criteria to interest rates, I'm here to help them open the door to luxury!

If you're looking to get into a new home, but worried about your down payment, an FHA loan might be right for you. You c...
05/25/2026

If you're looking to get into a new home, but worried about your down payment, an FHA loan might be right for you. You could be eligible for programs that only require 3.5% down* and a lower credit score than other loan types. Reach out today!

In many cases, your first mortgage payment isn’t actually due the month you close.Depending on your closing date, the ga...
05/22/2026

In many cases, your first mortgage payment isn’t actually due the month you close.
Depending on your closing date, the gap between closing and when your first payment is due can be anywhere from a few weeks to over a month.

For example:

🏡 If you close in January, your first full mortgage payment may not be due until March
📅 That’s because mortgage interest is typically paid in arrears (meaning after the month has passed)

Now, that doesn’t mean you’re “skipping” a payment entirely — closing costs usually include prepaid interest for the remaining days of the month you close in.

But that built-in gap can still give buyers:

💰 A little breathing room after moving expenses
📦 Time to settle in before the first payment hits
🛠 Flexibility for furniture, repairs, or unexpected costs

The exact timing depends on your closing date and loan details, which is why I always walk buyers through what to expect ahead of time so there are no surprises.

It’s one of those details that can feel confusing if no one explains it…but makes a lot more sense once you see how it’s structured.

And more importantly, it helps you plan, so you’re not caught off guard wondering when that first payment is coming.

If you’ve got questions about how mortgage payments, closing costs, or timing really work, feel free to message me anytime.

https://myoc.io/jsauk

Address

1880 Mackenzie Drive Suite 107
Upper Arlington, OH
43220

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 8am - 4pm
Sunday 8am - 4pm

Telephone

+16143535088

Website

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