A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
You’ll need to submit income, employment, asset, and credit information. I can walk you through the process quickly, often in 24 hours or less.
Rates are based on credit score, loan type, term, market conditions, and down payment. I’ll help you lock in the best available rate.
Refinancing makes sense if you can lower your interest rate, reduce your monthly payment, switch from an ARM to a fixed rate, or tap into home equity.
I provide personalized service, access to multiple loan products (not just one bank’s), and can often find better rates or terms to suit your unique financial situation.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
