When engaging in the purchase, sale, refinancing, or construction of your ideal home, selecting the appropriate loan specialist is of paramount importance. Market conditions and mortgage programs are subject to frequent changes, making it crucial to collaborate with a knowledgeable professional who can provide timely financial advice.
My objective is to assist you in making informed decisions for your family while delivering mortgage services that surpass expectations. I encourage you to explore my website, review the available loan programs, and utilize the tools provided to complete a concise application form with ease.
Upon submission of your application, I will contact you to discuss the particulars of your loan, or you may opt to schedule an appointment online. I welcome you to reach out via phone, text, or email for personalized service and expert guidance. Additionally, I am bilingual and prepared to assist you. I am a proud member of the National Association of Hispanic Real Estate Professionals (NAHREP).
Al participar en la compra, venta, refinanciamiento o construccion de su casa ideal, seleccionar al especialista en prestamos adecuado es de suma importancia. Las condiciones del mercado y los programas hipotecarios estan sujetos a cambios frecuentes, por lo que es crucial colaborar con un profesional capacitado que pueda brindar asesoramiento financiero oportuno.
Mi objetivo es ayudarlo a tomar decisiones informadas para su familia mientras brindo servicios hipotecarios que superan las expectativas. Le animo a que explore mi sitio web, revise los programas de prestamos disponibles y utilice las herramientas proporcionadas para completar un formulario de solicitud conciso con facilidad.
Al presentar su solicitud, me pondre en contacto con usted para discutir los detalles de su prestamo, o puede optar por programar una cita en linea. Le invito a que se comunique por telefono, mensaje de texto o correo electronico para obtener un servicio personalizado y orientacion experta. Ademas, soy bilingue y estoy preparada para ayudarte. Soy un orgulloso miembro de la Asociacion Nacional de Hispanos Reales
As a mortgage loan officer with a passion for helping individuals achieve their homeownership dreams, I am dedicated to providing tailored loan solutions that meet each client's unique needs. With extensive expertise in a wide range of mortgage products and programs, I take pride in guiding my clients through the complexities of the lending process with clarity and transparency. I aim to empower clients with the knowledge and resources they need to make informed decisions about their mortgage options, ensuring a smooth and seamless experience from application to closing.
Charlotte holds a special place in my heart. It is a vibrant city that offers a warm and welcoming environment for homebuyers. With its diverse neighborhoods and thriving job market, I am committed to helping individuals in Charlotte navigate the mortgage landscape to find the perfect loan solution for their dream home in this dynamic city.
ASHEVILLE captivates with its breathtaking mountain views and rich cultural scene, making it a sought-after location for homebuyers seeking a blend of natural beauty and urban amenities. I take great pleasure in assisting clients in ASHEVILLE in exploring mortgage options that align with their financial goals, whether they are first-time homebuyers or seasoned property investors.
FOREST CITY exudes a charming small-town charm and close-knit community spirit, making it ideal for individuals looking for a tranquil yet connected lifestyle. I am dedicated to serving the residents of FOREST CITY by providing personalized mortgage guidance supporting their homeownership and financial security aspirations.
With fluency in SPANISH, I can assist Spanish-speaking clients effectively and efficiently, ensuring that language is never a barrier to accessing quality mortgage services. Whether clients are exploring FHA Loans, VA Loans, USDA Loans, or any other mortgage products, I am committed to delivering a seamless and supportive experience tailored to their unique preferences and needs.
My commitment to empowering clients with comprehensive mortgage solutions extends beyond geographical boundaries, encompassing the diverse needs of individuals across CHARLOTTE, ASHEVILLE, and FOREST CITY. I am dedicated to providing expert guidance and support that enables clients to achieve their homeownership goals with confidence and peace of mind.
Originador de prestamos de habla hispana en Charlotte, Asheville, Shelby y Forest City NC
Como oficial de prestamos hipotecarios dedicado a ayudar a las personas a lograr la propiedad de una vivienda, ofrezco soluciones de prestamos personalizadas que satisfacen las necesidades unicas de cada cliente. Con experiencia en una variedad de productos hipotecarios, guio a los clientes a traves del proceso de prestamo con claridad y transparencia, empoderandolos para tomar decisiones informadas para una experiencia fluida desde la solicitud hasta el cierre.
Charlotte es una ciudad vibrante y estoy comprometido a ayudar a los compradores de vivienda a navegar por sus diversos vecindarios y su prospero mercado laboral. Las impresionantes vistas de las montanas y la escena cultural de Asheville lo convierten en un lugar codiciado, y disfruto ayudando a los clientes a descubrir opciones hipotecarias que se ajusten a sus objetivos financieros. En Forest City, ofrezco orientacion hipotecaria personalizada para ayudar a los residentes a lograr sus suenos de ser propietarios de una vivienda en una comunidad encantadora y unida.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Loan Officer
Mathewson Mortgage Capital | NMLS: 2603041
