Ron M.
2023-03-17"Dale has been of great benefit to our VA Home Mortgage planning, saving us time and money. I fully recommend him."
Q: What types of mortgages do you offer?
A: We offer a variety of mortgage options including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and many other types of loans.
Q: How much can I borrow?
A: 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.
Q: What is the interest rate on your mortgages?
A: Our interest rates vary depending on the type of mortgage and your individual financial situation. We will provide you with a personalized rate quote.
Q: What is the minimum credit score required to qualify for a mortgage?
A: 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.
Q: What documents do I need to apply for a mortgage?
A: 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.
Q: How long does it take to get approved for a mortgage?
A: 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.
Q: What are the closing costs associated with a mortgage?
A: 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.
Q: Do you offer pre-approval for mortgages?
A: 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.
Q: Can I make extra payments on my mortgage?
A: 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.
Q: What happens if I miss a mortgage payment?
A: 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.
Q: What happens if I want to sell my property before my mortgage is paid off?
A: 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.
Q: Can I refinance my mortgage?
A: 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.
LET’S PLAN YOUR MORTGAGE TODAY
Testimonials
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Ron M.Ron M.55stars"Dale has been of great benefit to our VA Home Mortgage planning, saving us time and money. I fully recommend him."
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Carlos & Aubrey R.
2023-03-17"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...
Carlos & Aubrey R.Carlos & Aubrey R.55stars"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...
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Steve & Shanon M.
2023-03-17"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 b...
Steve & Shanon M.Steve & Shanon M.55stars"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 b...
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Emily M.
2023-03-17"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. Throu...
Emily M.Emily M.55stars"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. Throu...
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Valerie G.
2023-03-26"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 p...
Valerie G.Valerie G.55stars"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 p...
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Chris H.
2023-04-14"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 ...
Chris H.Chris H.55stars"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 ...