Typically, lenders follow the “28/36” rule for loan requirements. Meaning, 28% of your overall monthly pre-tax income can be allocated to housing, and no more than 36% of your total monthly pre-tax income can be allocated to your overall debt. We are prepared to assist in figuring out your lending and mortgage qualifications based on need and income. No pressure, no excessive lending. Just what you need, when you need it, at a rate you can afford.
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Mortgage Payment Calculator: This calculator will help give an idea of what type of loan or payment may be right for you. However, this tool is only a baseline idea of what is possible for your income.
The first step is qualifying. Fixed rate mortgages can be more difficult to qualify for compared to adjustable rate mortgages. However, when the market is good, and rates are low, fixed-rate mortgages can be the ideal option. Locking in a low interest rate for the entire term of your loan will save you money in the long-run. Adjustable rate loans simply mean the rate can fluctuate but are easier to qualify for. We’re prepared to help you find the rate and term you need for the sake of financial security.
READ MOREThe upfront costs of starting a business can seem insurmountable. With our Commercial Loans, we can help alleviate the pressure of owning and operating a commercial business. Commercial Loans can be considered an investment in your business, and we want to ensure you’re making the right choices for your company based on need, projected profit, and any issues that may arise for a fledgling business.
READ MOREAre you seeking to expand your business, or are preparing to construct a new property? If so, don’t get bogged down with the stress of finding the right interest rates or overall cost. Our loan experts can help provide access to financing on a reasonable budget at a reasonable rate. These short-term, 6-12-month loans can often seem daunting with ever changing interest rates.
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Typically, lenders follow the “28/36” rule for loan requirements. Meaning, 28% of your overall monthly pre-tax income can be allocated to housing, and no more than 36% of your total monthly pre-tax income can be allocated to your overall debt. We are prepared to assist in figuring out your lending and mortgage qualifications based on need and income....
The first step is qualifying. We’re prepared to help you find the rate and term you need for the sake of financial security. Fixed rate mortgages can be more difficult to qualify for compared to adjustable rate mortgages. However, when the market is good, and rates are low, fixed-rate mortgages can be the ideal option. Locking in a low interest rate for the entire term of your loan will save you money in the long-run. Adjustable rate loans simply mean the rate can fluctuate but are easier to qualify for....