Buying a Home should be Stress-Free! We will guide you through the process and help you select the best possible loan option for your specific situation. Whether you want to lower your payment, build equity quicker or tap into your home's existing equity? Getting started is quick and easy. If you have any mortgage related questions that were not answered on our website, please schedule a call with us!
Adam and his Team are fantastic! They provided an excellent customer experience, competitive rate and guided us through the CP loan process with ease. I highly recommend calling Adam if you are considering a refinance, purchase or building your own home! I relocated to South Carolina for work. Adam and his team were highly recommended to me by my realtor.
They met every expectation set by that referral. Adam and his team were very knowledgeable and able to educate me in the states rules for home purchase. It was fast and seamless process. Absolutely would do business with again. Adam and his team were amazing to work with!
Adam and his Team are fantastic! They provided an excellent customer experience, competitive rate and guided us through the CP loan process with ease. I highly recommend calling Adam if you are considering a refinance, purchase or building your own home! I relocated to South Carolina for work. Adam and his team were highly recommended to me by my realtor.
They met every expectation set by that referral. Adam and his team were very knowledgeable and able to educate me in the states rules for home purchase. It was fast and seamless process. Absolutely would do business with again. Adam and his team were amazing to work with!
Services
Unlike most other loan officers who operate as "One guy with a cell phone and no plan, " we've built a team that operates systematically which results in a much more consistent experience for all of our customers.
We take a very open and positive approach, getting to know you and your personal situation first so as to make sure everything works out just right for you.
We are proud to deliver a world-class loan process that is smooth, reliable, and predictable.
Has specialized in making home mortgage loans for more than 20 years and considers himself extremely fortunate to have helped thousands of people purchase and refinance their homes.
We take a very open and positive approach, getting to know you and your personal situation first so as to make sure everything works out just right for you.
We are proud to deliver a world-class loan process that is smooth, reliable, and predictable.
Has specialized in making home mortgage loans for more than 20 years and considers himself extremely fortunate to have helped thousands of people purchase and refinance their homes.
How much you can borrow from a lender?
Use this calculator to calculate the amount you can afford from the lender's point of view.
Before you start looking for a new home, you need to have an idea of how much you can afford to pay for a home.
To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making.
In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan.
Use this calculator to calculate the amount you can afford from the lender's point of view.
Before you start looking for a new home, you need to have an idea of how much you can afford to pay for a home.
To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making.
In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan.
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
As you can see, your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan.
Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment.
Even the value of your home will affect your payment.
Since your loan to value ratio is 83.33%, you will also have to pay PMI for 31 months and this will tack on an extra $177.08 a month.
As you can see, your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan.
Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment.
Even the value of your home will affect your payment.
Since your loan to value ratio is 83.33%, you will also have to pay PMI for 31 months and this will tack on an extra $177.08 a month.
Is it financially better to buy a home or to rent?
The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.
If you were to pay $800.00 per month, for example, and the average rental payment increase was 4.000%, you would pay $51,996.70 in a 5 year period toward rent.
When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home.
The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.
If you were to pay $800.00 per month, for example, and the average rental payment increase was 4.000%, you would pay $51,996.70 in a 5 year period toward rent.
When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home.
Deciding whether or not you should refinance your home mortgage depends upon several factors.
It also depends upon whether you are looking to simply reduce your monthly payment or if you are hoping to save money in the long run.
Summing up these numbers, we can figure out your total refinancing LOSSES, which will be $174.68.
Disclaimers: The information provided by these calculators is for illustrative purposes only.
There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation.
It also depends upon whether you are looking to simply reduce your monthly payment or if you are hoping to save money in the long run.
Summing up these numbers, we can figure out your total refinancing LOSSES, which will be $174.68.
Disclaimers: The information provided by these calculators is for illustrative purposes only.
There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation.
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