Mortgage Company in Albany, NY
When you decide to buy a home or refinance a mortgage, it's a huge step. You can rely on us to find the loan program that is finest for you. Buying a new home can be a source of anxiety, frustration - and a large sense of accomplishment. You didn't pick the house that was finest for someone else, you picked the one that is right for you! Trust our specialists to find the mortgage loan that finest fits your requirements, too. Less paperwork and more individual attention means you enter a frustration-free zone from application to decision. Getting the best mortgage loan is like getting the keys to your new house!
read moreAre you pre-qualified or pre-approved for a loan? Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford. This will put you in a better position as a buyer. That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan. The difference between the two terms will be crucial when you decide to make an offer on a house. To get pre-qualified for a loan, I will collect information about your debt, income, and assets.
read moreGood credit is critical when it comes to obtaining the best interest rates and terms on a mortgage. Here are some credit do's and don'ts when looking for a mortgage. Do continue to use your credit as normal. If it appears you are changing your pattern, it can raise a red flag and affect your score. Do call your loan officer. Call before making any address or credit changes that may affect the way your credit is reported. Don't apply for new types of credit. Every time you have your credit pulled by a new type of credit issuer you can lose points from your credit score.
read moreTaking out a second mortgage on your home used to carry some stigma with it - a sign that you were in financial trouble. But today, the ability to borrow money against your property is considered one of the biggest advantages of owning a home. A second mortgage is essentially a loan secured by your home or another piece of property with a first mortgage. The second mortgage allows the homeowner to tap into his or her equity to pay for college tuition, essential home improvements, pay off credit card balances or other pressing financial needs.
An overview of the loan process
read moreThank you [Jim Parvis and Steve Bodo] very much for all that you did to make our little dream house a reality for us! You both have terrific energy and we felt it from the first day! Make no mistake, there's a lot involved in getting a mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day. What we do is do most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity check.
Empower Mortgage L.L.C
read moreEven though it may seem like it sometimes, there are not as many loan options as there are borrowers! We can help you select the loan program that will fit your situation the best. There are several questions to ask yourself as you review your options. We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.