DearLender is available to help you navigate the many twists and turns of mortgage lending. We are here to assist with any questions or problems that may arise whether you are buying or refinancing a home, consolidating your debt, or need a business or construction loan.

You may be more prepared than you think to take on mortgage.

 

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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XavierGrayXavier Gray

Office: (404)940-1585

Cell: (404)867-0245

NMLS #1642598

info@dearlender.com

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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.

Available Loan Options:

Residential Loans

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.

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Commercial Loans

The 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.

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Construction Loans

Are 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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Our team of experts is primed and ready to help you find the money you need without stress or hassle.

Our Blog

  • Ready to buy a house?

    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....

  • Do you know about Residential Loan Options?

    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....

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