American Capital Home Loans

read moreFounded in 2003 by Brad Cullipher, the Brad Cullipher Mortgage Group has been helping clients around the US purchase, refinance and build their dream homes for over a decade. Brad and his team understand that that each client has their own unique goals and works to create a mortgage process that is easy, streamlined, and accessible. Above all, he wants to take the stress out of the mortgage process. Brad Cullipher serves as CEO of the Brad Cullipher Mortgage Group at Mutual of Omaha Mortgage. Brad has been in the mortgage industry as an active and successful Executive Level Leader and Producer since 2003.

read moreInformation and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Mutual Of Omaha Mortgage strives to ensure that its services are accessible to people with disabilities.

read moreAre you daunted by the interest rates your current mortgage has? Do you need to lower your monthly payments? Do you just need more cash? If you said, "Yes, " to one of these questions, then you may want to consider refinancing your Austin home. If you plan to sell your house in the next few years, refinance your home loan to an adjustable rate mortgage (ARM) may save you money. Adjustable rates have the potential to drop below typical fixed rates because the rate is changed each fiscal year. By refinancing to an adjustable rate mortgage you may have the opportunity to maximize your savings in the short term with minimal risk.

read moreReady to take the leap into homeownership? Congratulations! We know it can not only be an exciting time, but also a bit stressful. Not to worry, we've got an awesome team of loan officers available to help guide you through the process. Before starting the homebuying process, look over all of your finances. Check your credit score and calculate how much you can save for a down payment. It's important that you also start to think about what you might be able to afford on a monthly basis for your home.

read moreThe first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines. You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. LTV or Loan-To-Value ratio is the maximum amount of exposure that a lender is willing to accept in financing your purchase.