line.png

When should I refinance?

It's generally a good time to refinance when you can lower your monthly payment or are looking to take cash out to pay off debt, do home improvement, or use your equity to purchase another asset.

line.png

Should i pay points to lower my interest rate?

This depends on how long you plan on retaining the asset and what your goals are. This is something you should discuss the specifics of with our team, and we can come up with a customized plan that suits your specific needs.

line.png

What is an apr?

The annual percentage rate (APR) is the total cost of your loan, including fees, as a yearly rate.

line.png

What does it mean to lock the interest rate?

To lock the interest rate means that regardless of what the market does during your purchase process, your rate will not change for the locked period, typically 30 days.

line.png

What documents do I need to prepare for my loan application?

Each application will require unique documentation throughout the mortgage loan process. However, there are some basic items pretty much everyone will need. View our Application Checklist to see what you’ll need.

line.png

what is an appraisal?

An appraisal is an estimate of the value of your home. It is an opinion of value and typically based on similar properties and what they have sold for.

line.png
Our experience was flawless. Noel met and exceeded our expectations. I don’t think there are words to thank Noel enough. If you are in need of an honest and knowledgeable loan officer, we highly recommend Noel.
— Kathy D.