FALLING RATES?!

Don’t panic! Regardless of what the market has done in the past, the recent

shift toward lower rates means we can help you get an even more affordable

mortgage. Here are three simple solutions that can help you secure a lower

monthly payment as rates continues their downward trend.

1.  Improve your credit score!

The lowest mortgage rates go

to borrowers with the highest credit scores. Yet, there

could be factors hurting your score that aren’t so obvious,

especially with newer trendy data models. That’s where

we come in. We’ll advise you on ways to enhance your

score and get the right loan for you.

2.  LOWER YOUR LTV!

You may get a lower rate just by reducing your loan-to-value

ratio (LTV). Your LTV is your loan amount, divided

by your current appraised property value. Your home may

be worth more today, allowing you to borrow more against

your equity while keeping your LTV low.

3.  BUY DOWN YOUR RATE!

You can try reducing your rate by paying discount

points at closing. It’s a form of prepaid interest. This can

help you get a more desirable rate when prevailing rates

rise. Call for details, we’ll show you how it’s done!

Getting a great mortgage for you is more than just the interest rate. It’s also about the terms and conditions that work for your unique

situation and goals.

Call us for more innovative home financing strategies!