At Arete Mortgage, Jeanne and her staff know you want to be a homeowner. In order to do that, you need a home loan. Problem is, you don't know how much house you can afford which may make you feel apprehensive about buying in general. We believe all home buyers deserve to live in a home they can afford. We understand people are seldom taught how to buy a home and sometimes there are obstacles like credit score, savings, and debt that get in the way.
We have helped over a thousand clients, just like you, get a great mortgage, at a rate they can afford. Buying a home is one of the most important decisions you can make. Plus, considering current low mortgage rates, homeownership has never been more appealing and affordable. In this article, we'll break down how much you need to purchase a new home before the year ends, plus.
Should I Buy a Move-In Ready Home or Fixer-Upper? Owning a home is still a major part of the American dream. According to a recent survey done by The Harris Poll in 2020, a third of Americans who have never owned a home plan to do so in five years.
We have helped over a thousand clients, just like you, get a great mortgage, at a rate they can afford. Buying a home is one of the most important decisions you can make. Plus, considering current low mortgage rates, homeownership has never been more appealing and affordable. In this article, we'll break down how much you need to purchase a new home before the year ends, plus.
Should I Buy a Move-In Ready Home or Fixer-Upper? Owning a home is still a major part of the American dream. According to a recent survey done by The Harris Poll in 2020, a third of Americans who have never owned a home plan to do so in five years.
Services
About
Report
Jeanne Randazzo Szczech, Mortgage Broker/President, founded Arete Mortgage in 2001 after having spent several years as a Loan Officer and Loan Processor in Southern California.
She earned her B.A. in English from the State University of NY at Geneseo in 1990 and continued her studies at Lehigh University in PA where she was awarded a Master's Degree in Education in 1992.
The education of her clients in the loan process is of utmost importance to Jeanne.
Knowledge and understanding of the process is critical to an overall sense of client satisfaction.
She earned her B.A. in English from the State University of NY at Geneseo in 1990 and continued her studies at Lehigh University in PA where she was awarded a Master's Degree in Education in 1992.
The education of her clients in the loan process is of utmost importance to Jeanne.
Knowledge and understanding of the process is critical to an overall sense of client satisfaction.
Resources
Report
Applying for a mortgage can seem like a daunting and scary process.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
Loan Programs
Report
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
Loan Process
Report
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Mortgage Calculators
Report
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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