I'm YOUR.
Your Local
Mortgage Professional

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application. After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me. As always, you may contact me anytime by phone, or email for personalized service and advice.

YOUR NAME

Senior Loan Officer

NMLS# 123456

Contact Me
YOUR NAME picture
123 Main St
Rockwood, PA 15557
jdoe@lhpmortgage.com
(855) 555-5555

Getting Started is Easy

1

Mortgage Calculators

Calculate your mortgage payment, affordability & more

2

Loan Programs

Find out which loan program is right for you

3

Apply Now

Get pre-approved in minutes with our quick & easy app

Learn More About Mortgage News

Get insight on trending news and mortgage happenings with our weekly blog

Our Goal is to Help You find the right home

What our clients are saying

Get Answers to All your Mortgage Questions?

Committed to giving you all the support and guidance you need.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me
Anytime.

YOUR NAME

Senior Loan Officer

NMLS# 123456

YOUR NAME picture
Welcome to our website

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

mobile view graphic frame
mobile view graphic content

We're Here for You...

Every step of
the way

We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity

Begin your home loan process today!

Local Loan
Consultant

Timely and Accurate
Communication

Industry-Leading
Product Selection