Assisting People with Mortgage Loans
Why you should choose me to start your home buying adventure!
Making your dream home a reality.
I enjoy helping people accomplish their financial goals. Whether it’s buying your first home or dream home I’m here to help. I also know how to put the equity in your home to work for you. There is nothing better than watching someone get a new kitchen, take a dream vacation, or eliminate debt with some of their hard earned equity.
I have been assisting people like you get great mortgages for twenty-years. After graduating from the University of Kentucky I put my degree to work in government before moving to the private sector in the late 1990’s.
I began my mortgage career in Louisville with a local company that valued customer service. While there I consistently ranked in the top tier of loan production and customer satisfaction.
In 2005 I opened my own mortgage company with a focus on customer centric service. The model has proved successful and I’m now in my 18th year of owning a successful mortgage business.
I would like to earn your mortgage business by earning your trust. I encourage you to check my testimonial page or call some of my past customers. You can also reach out to me anytime via e-mail, text, or phone.
I would like to hear from you so you can see for yourself just how much we value you. When I’m not busy working with customers I can usually be found volunteering at my daughter’s school, helping at my church, or enjoying the great amenities that our city has to offer.
Frequently Asked Questions
One of the first steps to buying a home is getting the mortgage process started. That’s where I come in!
I suggest that when shopping for a mortgage we sit down and discuss your options. Here are a few questions we work to answer together.
- What type of mortgages do you offer?
- What are all the costs associated with getting a mortgage with your company?
- How long will it take for my mortgage to get approved?
- Where are your loans processed and underwritten?
The documentation that is required to get a mortgage will vary from buyer to buyer. For the most part however, the documentation that is required to get a mortgage will be fairly similar.
When formally applying for a mortgage, there will be some initial documentation that I will require. Documentation such as a social security card, one months pay stubs, and the past two years w-2’s are all helpful to get started. The documentation will be different for buyers who are self employed as well.
I might also need the following documentation;
- Drivers license
- Bank statements
- Asset statements
- Fully executed purchase contract
- Copy of an earnest money deposit check
A mortgage pre-qualification can easily be defined as an estimation of how much a buyer can borrow. You can continue to my Tools and Calculators page in order to get a rough estimate for your mortgage. These tools are used as a quick estimate and does not mean you have been pre-approved.
A mortgage pre-approval, however, is what every home buyer should obtain prior to looking at homes. A mortgage pre-approval can be easily defined as a written commitment for a buyer
One of the most frequently asked questions regarding mortgages relates to deciding what type of mortgage is best. Since there are many different types of mortgages that are available for prospective home buyers, it’s important to understand which type of mortgage is best for you.
Below are three of the most popular mortgages that are available for home buyers wondering which type of mortgage is best.
- FHA Mortgages
- Conventional Mortgages
- VA Mortgages
Contact me to find out more information on which option is best for you!
The answer to whether a buyers interest rate will change or not is that it depends. Depending on the type of mortgage a buyer obtains can determine whether or not their interest rate will change. Mortgage products such as FHA mortgages in most cases will be a fixed rate mortgage, which means the interest rate will not change over the life of the loan.
A type of mortgage that can result in interest rate changes is known as an adjustable rate mortgage, which is also known as an ARM. An adjustable rate mortgage will typically have a set amount of time in which the interest rate is fixed. Once the fixed interest rate time is over, the rate will be subject to change.
A very common home buying misconception that exists is that a buyer needs a lot of money to purchase a home. This is not always the case. When a buyer asks about the amount of money needed to buy a home, the best answer is that it depends.
In addition to the down payment, buyers also need to consider costs such as an appraisal cost, home inspection cost, and other various costs.
Other typical costs and fees associated with buying a home which can impact the amount of money needed to buy a home include;
- Mortgage processing fee
- Real estate attorney fee
- Underwriting fee
- Bank attorney fee
“There is nothing better than watching someone get a new kitchen, take a dream vacation, or eliminate debt with some of their hard earned equity. ”
“I refer all of my clients to Joe. He has never let me down. We always close on time without any hassles.”
“My wife and I purchased a new home for our growing family and found Joe’s service to be exceptional. We closed on time, with a great rate, and no closing costs!”
“I refinanced my mortgage with Joe and his rate and closing costs were lower than what my bank offered. I would definitely use him again."