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Frequently Asked Questions

Q: How do I know which type of mortgage is best for me?

A: This depends on your current financial situation and how long you intend on keeping your home. Our lenders will evaluate your choices and help you make the decision that is the most appropriate for you.

Q: Can I apply for a loan before I find a home?

A: You can obtain a pre-qualification certificate prior to finding a home to purchase. Having a pre-qualification certificate is often requested by a realtor before they will write an offer to purchase.

Your mortgage lender can help you through this process. Contact us when you feel you are ready to start looking for your home.

Q: What is the difference between a fixed rate loan and an adjustable rate loan?

A: With a fixed rate loan, the interest rate and your payment amount will remain the same, through the life of the loan.

An adjustable rate mortgage (ARM) has a fixed rate for the initial adjustment period, then adjusts annually, based on an index. As the interest rate changes, so does your monthly payment. An ARM may be a good choice for someone who plans on owning their home for the time of the initial adjustment period or less.

Q: What is the difference between APR and interest rate?

A: The APR (annual percentage rate) shows the cost of your mortgage loan, as a yearly rate. It also includes the costs required to get the loan. The APR lets you compare the interest rate and the total cost of financing your loan, among various lenders.

Q: What is PMI?

A: PMI (Private Mortgage Insurance) is required on conventional loans when a borrower has less than a 20% down payment. PMI is protection for the lender if the borrower cannot make their monthly mortgage payments.