Vu Nguyen I Branch Manager NMLS #1759648

12/09/2024

12/06/2024

10/02/2024

Woe to inflation!

We are here to ease your mind about your mortgage payments, and get you through to the other side! Give us a call today to see how we may be able to help your combat the unsavory conditions of today’s market :)

09/30/2024

Here’s one for you:
A 20% down payment is required to get a mortgage…

09/28/2024

Debtception!

One thing you should avoid at all costs, is taking out a loan to cover pre existing debt.

If you feel like it's your only option, we strongly recommend you calculate your “debt to income ratio” first.

The calculation goes as follows:

1) Add up all your monthly debt payments
2) Divide them by your gross monthly income

If you fall above 43%, you should strongly consider finding another option.

Because when taking out a loan to pay off debt, it's never tit for tat – you’ll have to pay it back, and then some!

09/27/2024

Everybody has that one thing that they wish they could buy, but can’t afford…

If you could be instantly approved for a 0% interest loan, what would you use it for?

09/26/2024

FRM’s vs. ARM’s?

No, it's not a wrestling match you can catch on pay-per-view.

It's the difference between Fixed-rate mortgages and Adjustable-rate mortgages.

Alright then… So what's the difference?

A fixed-rate mortgage is set in place and cannot change over the whole life of a loan. When you consider that most loans are split into 15 or 30 year plans, that's a pretty big commitment!

An adjustable-rate mortgage can have its interest rate go up or down during specific adjustment periods.

Maybe you get in at the right time, lock in the FRM right before inflation drives the rates up… or maybe you are getting a mortgage in a time of economic struggle, and you like the idea of the rate getting better over time.

The choice is yours… Choose wisely!