We offer a variety of mortgage options including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and many other types of loans.
The amount you can borrow depends on several factors including your credit score, debt-to-income ratio, and the value of the property you are purchasing. We will work with you to determine the maximum amount you can borrow.
Our interest rates vary depending on the type of mortgage and your individual financial situation. We will provide you with a personalized rate quote.
The minimum credit score required to qualify for a mortgage varies depending on the type of loan. For most conventional loans, a credit score of 620 or higher is required. For FHA loans, the minimum credit score is 580.
You will need to provide documentation such as your income tax returns, W-2 forms, pay stubs, bank statements, and proof of homeowners insurance. We will provide you with a detailed list of required documents during the application process.
The approval process varies depending on the complexity of your financial situation and the type of loan you are applying for. In general, it takes between 30 to 45 days to get approved for a mortgage.
Closing costs include fees such as appraisal fees, title fees, and origination fees. The amount of closing costs varies depending on the loan and the property being financed. We will provide you with an estimate of your closing costs during the application process.
Yes, we offer pre-approval for mortgages. This allows you to know exactly how much you can borrow and helps you to make a stronger offer when you find a property you want to purchase.
Yes, you can make extra payments on your mortgage. This can help you to pay off your mortgage faster and reduce the amount of interest you pay over the life of the loan.
If you miss a mortgage payment, you may be charged a late fee and your credit score may be negatively impacted. It is important to contact us as soon as possible if you are unable to make a payment so we can work with you to find a solution.
If you sell your property before your mortgage is paid off, the proceeds from the sale will be used to pay off the remaining balance of your mortgage.
Yes, you can refinance your mortgage. Refinancing can help you to lower your interest rate, reduce your monthly payment, or change the term of your loan. We will work with you to determine if refinancing is a good option for you.
★★★★★
“Buying a home is incredibly stressful, and for someone without a financial background securing a mortgage is the most confusing part. For some crazy reason we have put ourselves in the buying/selling position multiple times in the past 5 years! Each time we knew we needed to call Dale! He was so knowledgeable and attentive and made us feel comfortable and educated. Everything went smoothly, and he found us the lowest possible interest rate. He made himself available to me via any method of my choice – email, business phone or cell phone, which I greatly appreciated. We couldn’t have asked for a better experience. Time and time again!”
– Carlos & Aubrey R.
★★★★★
“I confidently endorse and recommend working with Dale DeShaw. I have been fortunate to work with Dale three times in the past five years for financing and refinancing properties and not only has it had a positive financial yield but it was a pleasure due to his friendly, stress-reducing, confident behavior and decades of expertise. Dale is the best!”
– Valerie G.
★★★★★
“I have had the great fortune to be able to work with Dale several times over the last 20 years. Dale patiently walked us through our first home purchase, then a refinance when the rates dropped to the purchase of a brand new home. Dale always took the time to explain the process in plain language and a smile. I have recommended Dale to family and friends over the years and have no hesitation in doing so again!”
Thanks Dale,
– Chris H.
★★★★★
“I have been working with Dale for 21 years. He has taken part in the purchase of each of my properties both personally and professionally. He always responds quickly and with concise instructions on what is needed for my next investment. Through highs and lows he has been a loyal friend and business partner and I will continue to refer friends and family to his office.”
– Emily M.
★★★★★
“We were looking at available options for possibly selling or refinancing our home. We initially tried working with our financial institution, but became frustrated at their inflexibility & disorganization. We decided to reach out to Dale because he had helped us and our family so many times before. Dale gave us the best options as well as the pros and cons of every option we contemplated, and was always open to running multiple scenarios for us. He found the perfect financing plan for us. Save yourself the time and the headache and bypass the banks. Go directly to a knowledgeable mortgage broker! We would highly recommend him for any of your home buying/selling needs!”
– Steve & Shanon M.
★★★★★
“Dale has been of great benefit to our VA Home Mortgage planning, saving us time and money. I fully recommend him.”
– Ron M.