Basic Information about Mortgages and Home Finance

In this section you will find basic information to help you understand mortgage terms and the home loan process. There is information to help you understand how mortgages work and how to reduce significantly the long term cost of your home loan.

A home purchase is for most people not a common, everyday, event. A person generally buys a home once, twice, maybe three times. A home purchase is one of the most signicant transactions in a person's lifetime. It can be costly if not done with professional advice about the property and about the financing.

You can rely on me to provide you the tools to make the right choices upfront about your mortgage decision and to stay in touch with you to help you make the right choices after closing about managing your mortgage.

There are many basic consumer guides available to you. HUD provides some good information at HUD Buying a Home .

In this website there are several helpful articles and tools about home purchasing, home refinancing and home owning. The Motgage Calculators have several tools to help you do the math of your decision. Please enter the chat or email, if you have any questions about one of the calculators.

In this section you can find information about the loan process, and Get Your Loan Faster!, Loan Application Info.

There is also information about Rates and APR. and Rate Lock Periods. When you are at the point to decide whether to lock or not to lock, you may find helpful guidance in the Daily Rate Lock Advisory. Of course, the recommedation to lock or to float is not guaranteed, but at least you can base you decision on understandable information from an expert.