Mortgage Questions - Answered Clearly
Straightforward mortgage answers from licensed loan officers — not algorithms.
We work directly with buyers and homeowners to explain mortgage options clearly, using real numbers, real guidelines, and real experience - without sales pressure or guesswork.
Licensed, multi-state mortgage expertise (OK, TX, KS, MO)
Clear explanations - no industry jargon or clickbait
Guidance based on your real numbers, not online averages
No pressure — ever
Before You Scroll...
These answers are based on real lending guidelines and daily conversations with buyers — not generic internet advice.
Most mortgage websites either overwhelm you with jargon or avoid answering real questions
This page is different.
Below you'll find straightforward answers to the most common questions we hear from buyers -
written by real mortgage professionals who work with families every day.
If you don't see your question here, just ask.
Getting Started
Q: How much home can I afford?
Short Answer:
How much home you can afford depends on your income, monthly debts, credit profile, down payment, and current interest rates — not just an online calculator.
Long Answer:
Your buying power depends on more than just income. We look at your credit profile, monthly obligations, down payment, and loan options to determine what makes sense for you — not a generic estimate.
Q: Should I get pre-approved before house hunting?
Short Answer:
Yes. Pre-approval strengthens your offer, protects your time, and is often required by sellers and real estate agents before showings.
Long Answer:
A pre-approval is no longer optional in many markets — it’s expected.
Professional real estate agents are paid when transactions close, not for showing homes. Because of that, reputable agents prioritize working with buyers who are financially prepared and pre-approved.
Today, many sellers often require, or commonly request, proof of pre-approval before allowing showings. It protects the seller, the agent, and you as the buyer.
Pre-approval gives you real numbers, strengthens your position, and helps you shop with confidence — without wasting time or creating false expectations.
Q: How long does pre-approval take?
Short Answer:
Pre-approval timing depends on how quickly and accurately the application is completed and information is provided.
Long Answer:
Pre-approval timelines vary based on how quickly the application is completed and the accuracy of the information provided.
Clear, honest income, debt, and credit details help speed up the process. Incomplete or unclear information may require follow-up, which can extend the timeline.
Most buyers complete the application in about 10–15 minutes, and we typically review it within one business day when everything needed is provided.
Q: What’s the difference between a pre-qualification and a pre-approval?
Short Answer:
A pre-qualification is an estimate based on unverified information, while a pre-approval is a verified review of your financial profile.
Long Answer:
A pre-qualification is a quick estimate based mostly on what you tell us about your income, debts, and credit. It’s helpful early on, but it’s usually not strong enough for serious offers because it isn’t fully verified.
A pre-approval takes a little longer and requires more effort because we’re actually reviewing documents (like pay stubs, W-2s, bank statements, and pulling credit) and running your file through the loan system to confirm what you qualify for. That’s why many sellers and real estate agents prefer — and often require — a true pre-approval before showings or when submitting an offer. It carries more weight because it’s based on verified information, not guesses.
Bottom line: Pre-qual = quick estimate. Pre-approval = verified buying power (and the one that wins in today’s market).
Q: What's the difference between pre-approval and underwriting approval?
Short Answer:
Pre-approval confirms general qualification early, while underwriting approval is the final loan decision after a specific home is under contract.
Long Answer:
A pre-approval is the early step where we review your income, assets, and credit and run your file through automated underwriting to confirm you’re qualified in general — before you pick a home. It’s what helps you shop confidently and write stronger offers.
Underwriting approval happens after you’re under contract. The underwriter reviews everything in full detail — including the property, appraisal, title work, and any final documents — and may issue conditions (extra items needed) before giving the final “clear to close.”
Bottom line: Pre-approval is a strong starting point, but it’s not a guarantee. Final approval happens in underwriting once the lender verifies the full file and the property details.
Q: Does pre-approval lock me into a loan?
Short Answer:
No. Pre-approval does not lock you into a lender, loan program, or interest rate.
Long Answer:
A pre-approval is not a commitment — it’s clarity. It shows what you can qualify for and helps you shop confidently, but you’re not locked into a lender, a loan program, or even a specific payment.
We also don’t treat pre-approval like a “print the letter and disappear” step. We pair it with a loan consultation to help you choose the best loan option for your family and stay within a comfortable budget — because approval and affordability aren't always the same thing.
Mortgage Rates
Q: Why don't you list exact mortgage rates on your website?
Short Answer:
Mortgage rates change frequently and vary by borrower, so the only accurate rate is a personalized quote based on current market conditions and your loan profile.
Long Answer:
Because mortgage rates move — sometimes fast — and an “advertised rate” without context usually creates confusion. Rates are priced off the bond market, especially mortgage-backed securities (MBS), and they often track what’s happening with the 10-year Treasury as a key benchmark. Those markets can change throughout the day as investors buy and sell.
When volatility hits, lenders may reprice (update rate sheets) multiple times in a day — we’ve even seen rate sheets paused and updated more than once in a single day.
Mortgage rates aren’t like gas prices — they can change before you finish your coffee.
Bottom line: the only accurate rate is a personalized quote based on your credit, loan type, down payment, and the market at the moment you lock.
Q: What affects my mortgage rate?
Short Answer:
Mortgage rates are influenced by market conditions and your personal loan profile, including credit, down payment, loan type, and risk factors.
Long Answer:
Your mortgage rate is based on a mix of market pricing and your personal loan profile.
Market factors (change daily):
* Bond market pricing (especially mortgage-backed securities)
* Economic news/inflation/jobs reports
* Federal Reserve signals and overall market volatility
Borrower + loan factors (specific to you):
* Credit score and overall credit profile
* Down payment / loan-to-value (LTV)
* Loan type (Conventional, FHA, VA, USDA, etc.)
* Loan term (30-year vs 15-year)
* Occupancy (primary home vs second home vs investment)
* Property type (single-family vs condo vs multi-unit)
* Debt-to-income ratio (DTI) and documented income strength
* Points/credits chosen (paying points can lower the rate; lender credits can raise it)
Bottom line: same day, same lender — two buyers can get two different rates because the risk profile is different.
Q: How often do mortgage rates change?
Short Answer:
Mortgage rates can change daily — and sometimes multiple times in a single day during volatile markets.
Long Answer:
Mortgage rates can change daily — and during volatile markets, they can change multiple times in the same day as lenders reprice based on bond market movement. That’s why a “quoted rate” is not guaranteed until it’s officially locked.
A rate lock protects your rate for a set period of time — most commonly 30–45 days, and sometimes 60 days depending on the lender and your timeline. If the lock expires before closing, the rate may need to be re-locked (and could change), so we help you choose the right lock timing and lock length based on your contract and expected closing date.
Q: Can I lock my rate?
Short Answer:
Yes. Once you’re under contract, you can lock your rate for a set period to protect against market changes.
Long Answer:
Once you’re under contract (and we have your loan details confirmed), you can lock your rate for a specific period — commonly 30–45 days, and sometimes longer if needed. A lock protects you from market changes during that window.
Lock options can include different timeframes and sometimes different pricing (for example: choosing to pay discount points to lower the rate, or taking lender credits to reduce closing costs). If your closing is delayed and the lock is going to expire, we can usually request a lock extension, which may have a cost depending on the lender and market.
Bottom line: we’ll help you lock at the right time so you’re protected without overpaying for a longer lock than you need.
Credit & Income
Q: What credit score do I need to buy a home?
Short Answer:
Credit score requirements vary by loan program, but many buyers qualify with scores around 600 or higher, depending on the full loan profile.
Long Answer:
It depends on the loan program and the full strength of your file — but here’s the practical range most buyers care about:
* 600+: In many cases, we can help you qualify in-house through Success Mortgage Partners (especially on government loans, depending on the full profile).
* Below 600: Options may still exist. We’re a hybrid lender, which means we can also broker loans through a network of lenders — and some investors may consider scenarios with scores below 580, depending on the full picture.
A couple things matter just as much as the score itself: payment history, debt-to-income ratio, down payment, and what your credit report actually says (collections, late payments, utilization, etc.). We’ll review your situation and tell you what’s realistic — and if you’re not quite there yet, we’ll give you a clear plan to improve your score without wasting months guessing.
Q: Can I qualify if I've had credit issues?
Short Answer:
Yes. Past credit issues do not automatically disqualify you — lenders look at the full financial picture, not just the score.
Long Answer:
Often, yes. Credit issues don’t automatically disqualify you. We look at the full picture — not just the score — including payment history, current debts, how recent the issues were, and what’s been stable lately.
We regularly help buyers who’ve had things like:
* late payments
* collections or charge-offs
* high credit card balances
* past bankruptcy or foreclosure (depending on timing and loan type)
The key is where you are now and whether the issue is resolved, improving, or still active. If you’re not quite ready today, we’ll give you a clear, step-by-step plan to get you qualified — not generic advice or guesswork.
Q: What income counts for qualifying?
Short Answer:
Lenders count stable, documented income that is expected to continue, including employment, self-employment, and certain other verified sources.
Long Answer:
In general, lenders count stable, documented income that’s likely to continue.
That can include:
* Salary or hourly income
* Overtime, bonus, or commission (usually needs a history and consistency)
* Self-employed income (based on tax returns and business docs)
* Retirement / Social Security / pension (if it’s ongoing)
* Child support or alimony (if it’s documented and expected to continue)
* Rental income (with the right documentation)
What usually doesn’t count (or is harder to use) is income that’s new, inconsistent, cash-only, or can’t be documented.
Best rule of thumb: if it’s verifiable and reliable, we can usually use it — and if it’s complicated, we’ll tell you upfront what documentation will make it work.
Q: I'm self-employed - can I still qualify?
Short Answer:
Yes. Self-employed borrowers qualify regularly, though documentation requirements differ from traditional W-2 income.
Long Answer:
Self-employed borrowers qualify all the time — the main difference is documentation. Traditional loans usually use your tax returns, but because we’re a hybrid lender, we can also offer additional options through different investors when the standard approach isn’t the best fit.
Depending on your situation, we may be able to use:
* Bank statement loans (using deposit history instead of tax returns)
* Profit & Loss–based options (supported by documentation)
* Hybrid income scenarios (combining self-employed income with W-2 income when applicable)
The right solution depends on how you’re paid, how your business is set up, and how you file taxes. We’ll review your numbers and help you choose the option that keeps your payment comfortable and realistic, not just “approved.”
Q: Will you do a "hard pull" on my credit?
Short Answer:
Not always at first — but a hard credit pull is usually required for a full pre-approval with underwriting confidence.
Long Answer:
We can start with a soft pull in many cases to get an initial look at your score range and overall credit picture — and that can be helpful early in the process.
That said, for a true pre-approval with underwriting confidence, we usually need a hard pull. Most of the time a single-bureau soft pull won’t allow us to get a full DU or LPA automated underwriting approval. There are some situations where DU has run with a soft pull (we’ve seen it happen, sometimes on conventional), but it’s the exception — not the rule.
Bottom line: soft pull = early planning, hard pull = stronger pre-approval and underwriting-level certainty. We’ll tell you up front what we recommend based on your timeline and what you’re trying to accomplish.
Q: What if I changed jobs recently?
Short Answer:
Job changes do not automatically prevent approval; what matters most is income stability and how you’re paid now.
Long Answer:
Job changes don’t automatically hurt your chances. What matters is stability and how you’re paid now. In many cases, you can still qualify if:
* You stayed in the same line of work or a similar field
* Your income is stable and documented
* You moved from hourly to salary (often simple) or got a predictable raise
Things that may require a closer look:
* Switching to commission/bonus pay (usually needs a history)
* Becoming self-employed
* Big gaps in employment
* Changing industries with no related background
Either way, we’ll review the details and tell you quickly what’s workable — and what documentation will make it clean.
Down Payment & Loan Options
Q: How much do I need for a down payment?
Short Answer:
Down payment requirements vary by loan program, credit profile, and goals, with options ranging from 0% to higher amounts depending on eligibility.
Long Answer:
It depends on the loan program, your credit profile, and your goals — but here are the common starting points:
* Conventional: often 5% down for qualified buyers, but allows 3% down with specific eligibility.
* FHA: typically 3.5% down
* VA: often 0% down for eligible veterans/service members
* USDA: often 0% down for eligible borrowers and properties
Mortgage Insurance (MI/PMI):
If you put less than 20% down on a Conventional loan (meaning your loan is above 80% LTV), you’ll typically have PMI (private mortgage insurance). If you put 20% down or more (80% LTV or lower), you can usually avoid PMI entirely.
FHA loans have their own form of mortgage insurance, and the rules work differently than conventional PMI.
Lower credit scores may require more down:
In some cases — especially with credit scores below 620 — lenders/investors may require 10% to 20% down depending on the program and the full loan profile. This varies by investor/program and the rest of the file.
Bottom line: we’ll help you pick a down payment that keeps your payment comfortable without draining your savings, because being “approved” isn’t the same thing as being set up to win financially.
Q: What's PMI and how do I get rid of it?
Short Answer:
PMI is mortgage insurance required on many conventional loans with less than 20% down, and it can usually be removed once certain equity thresholds are reached.
Long Answer:
PMI (Private Mortgage Insurance) is insurance that protects the lender — not you — when you put less than 20% down on a Conventional loan (meaning your loan is above 80% Loan To Value (LTV)).
How you avoid PMI:
* Put 20% down at purchase (80% LTV or lower), or
* Use a structure that keeps the first loan at or below 80% LTV (when available)
How you get rid of PMI later (Conventional loans):
* As you pay the loan down and/or your home value increases, PMI can usually be removed once you reach the required LTV thresholds (some cases may require an appraisal).
* By law, PMI must automatically terminate at a certain point if you’re current on payments (based on the original amortization schedule).
Important note: FHA loans have mortgage insurance too, but it works differently than PMI and doesn’t always drop off the same way. If you’re FHA now, we’ll show you your best path to remove it later if that’s a goal.
Q: How much are closing costs?
Short Answer:
Closing costs typically range from about 2%–5% of the purchase price, depending on the loan, property, and transaction details.
Long Answer:
Closing costs vary, but most buyers can plan on about 2%–5% of the purchase price in total closing costs. That range depends on your loan program, credit, down payment, and the costs specific to the property and location.
Closing costs usually include things like:
* Lender fees (processing/underwriting, etc.)
* Appraisal, credit report, flood cert (as applicable)
* Title work and title insurance
* Recording fees and taxes (varies by state/county)
* Prepaid items like homeowner’s insurance and interest
Also, don’t confuse closing costs with escrows — many loans require money at closing to set up your tax and insurance escrow account, which can increase the cash needed up front.
Good news: in many cases, you can reduce out-of-pocket costs with seller concessions and/or lender credits (tradeoff is usually a slightly higher rate). We’ll show you the options so you can choose what fits your budget best.
Q: Can I use gift funds for down payment/closing costs?
Short Answer:
Yes. Most loan programs allow gift funds for down payment and closing costs, but the rules depend on the loan program and who the gift is coming from.
Long Answer:
In many cases, yes. Most loan programs allow gift funds, but the rules depend on the program and who the gift is coming from.
Typically:
* Gifts usually must come from an approved family member (and in some cases a fiancé/partner or other eligible donor, depending on the program).
* The gift must be properly documented — usually a gift letter and proof of the transfer (and sometimes proof the donor had the funds).
* Some loan types and scenarios have limits on how much of the down payment or reserves can come from gifts.
We’ll tell you exactly what’s allowed for your loan program and give you a simple checklist so the gift doesn’t create underwriting delays.
Q: Are there first-time homebuyer programs?
Short Answer:
Yes. There are several first-time homebuyer programs available, depending on your income, credit profile, location, and the type of property you’re purchasing.
Long Answer:
There are several great options for first-time buyers, depending on your income, credit profile, location, and the property.
Common examples include:
* Conventional 3% down options such as HomeReady (Fannie Mae) and Home Possible (Freddie Mac) (these often have income limits and other eligibility rules which varies by county/state; we're not tax advisors)
* FHA financing (often 3.5% down)
* USDA (0% down in eligible areas)
* VA (0% down for eligible veterans/service members)
* Possible Down Payment Assistance (DPA) programs (availability and rules vary by area and funding)
Important clarification:
Some conventional programs allow 3% down with specific eligibility (often first-time buyer and/or income limits, and property type rules), although 5% down is common, but not a universal “minimum” for everyone.
Tell us your state, credit score range, and whether you’ve owned a home in the last 3 years — and we’ll tell you what you actually qualify for.
Q: Are there any Down Payment Assistance programs available?
Short Answer:
Yes. Many buyers may qualify for down payment assistance programs, depending on location, income, and eligibility guidelines.
Long Answer:
In many cases, down payment assistance can help cover down payment and/or closing costs, depending on eligibility. DPA is usually structured as a grant, a forgivable second loan, or a low-interest second loan, and most programs have rules like income limits, purchase price limits, location requirements, and sometimes homebuyer education.
Here are common sources we help buyers explore:
* State programs in Oklahoma (OHFA), Texas, Kansas, and Missouri
* Lender-partner DPA options, including programs available through Success Mortgage Partners (such as Essex, when eligible)
* Oklahoma Tribal housing/grant programs, which can be a strong option for eligible Native borrowers (varies by tribe)
(*Programs change and funding can be limited)
Bottom line: we’ll help you sort through what you actually qualify for, explain any “strings attached,” and make sure the assistance helps you buy smart — not just buy more.
Q: Do you help with Tribal housing grants in Oklahoma?
Short Answer:
Yes. We help eligible borrowers understand and coordinate Tribal housing grants alongside their mortgage when available.
Long Answer:
If you’re eligible through your tribe, we can help you understand what the tribe requires, what documentation you’ll need, and how a tribal grant can work alongside your mortgage. Since every tribe’s program is different — and funds and guidelines can change — we’ll help you confirm the details early so it doesn’t slow down your home purchase.
Q: What is escrow (taxes/insurance) and why does it change my payment?
Short Answer:
Escrow accounts collect and pay property taxes and insurance, and payment changes usually occur when those costs change.
Long Answer:
An escrow account is a separate account your mortgage company uses to collect and pay your property taxes and homeowner’s insurance on your behalf. Each month, part of your mortgage payment goes into escrow, and when taxes and insurance come due, they’re paid from that account.
Your payment can change because:
* Property taxes go up or down (county assessments change)
* Homeowner’s insurance premiums change (rates, coverage, claims, inflation)
* Your escrow account can have a shortage or surplus after the annual escrow analysis
So even if your loan rate doesn’t change, your total monthly payment can — because taxes and insurance aren’t fixed forever. We’ll explain your escrow numbers up front and help you plan so changes don’t catch you off guard.
The Process
Q: How long does the mortgage process take?
Short Answer:
Most purchase loans close in 30–45 days, while refinances often take 21–35 days, depending on the situation.
Long Answer:
It depends on whether you’re buying or refinancing — and how quickly key steps are completed.
* Purchase loans: Most close in 30–45 days from contract to closing.
* Refinances: Often take 21–35 days, depending on appraisal needs and underwriting.
What drives the timeline:
* Appraisal and title turn times
* Underwriting conditions (extra items the lender requires)
* Loan type and file complexity
* How quickly documents are provided
The biggest controllable factor: your response time.
The fastest loans happen when borrowers are prompt and thorough with document requests. When our processor asks for pay stubs, bank statements, explanations, or updated paperwork, delays in getting those items back can delay underwriting approval — and that can push the closing date.
We’ll map out the steps up front, use our secure Blend portal to make uploads easy, and keep you updated — but staying on schedule works best when we operate like a team and you respond quickly when documentation is requested.
Q: What documents will I need?
Short Answer:
Most loans require income, asset, credit, and identification documents, with additional documentation for self-employed borrowers.
Long Answer:
We’ll give you a simple checklist, but most loans require:
* ID: Driver’s license (and sometimes Social Security card)
* Income: Recent pay stubs, last 2 years W-2s (or tax returns if self-employed), and proof of any other income (SS, retirement, child support, etc. if you want it considered)
* Assets: Most recent bank statements (and retirement accounts if needed) to show funds for down payment/closing and reserves
* Housing: Current mortgage statement or lease (if applicable)
* Credit: Authorization to pull credit and verify debts
If you’re self-employed, we may also need business tax returns, a P&L, and/or bank statements, depending on the loan type.
To make it easy, we use a secure document portal through Blend so you can upload everything in one place and keep the process moving. And yes… we love you, but please don’t send screenshots — full PDF statements and document downloads help avoid delays and underwriting re-requests.
Q: Will I talk to a real person?
Short Answer:
Yes. You’ll work directly with Cat or JT — not a call center — throughout your mortgage process.
Long Answer:
You can absolutely talk with Cat or JT, not a call center. You’ll have a real mortgage professional guiding you from pre-approval through closing.
We also use an AI assistant named LISA to help when we’re on the phone or in appointments. Lisa can answer many common questions, help you schedule a call, and get appointments on our calendar fast. And if your question needs a human brain (most do), Cat or JT will jump in and handle it personally.
Q: Who will I work with during the mortgage process?
Short Answer:
You’ll work with a dedicated team, with clear points of contact from application through closing.
Long Answer:
You’ll have a team — and you’ll always know who your point of contact is at each stage.
* Application + Getting Started: Cat and JT take your application and connect you with one of our pre-qualification specialists, Daisy or Hope, who will help gather the documents needed for your pre-approval and get you fully pre-approved.
* Loan Consultation + Pre-Approved & Looking: Cat or JT will then meet with you for a loan consultation to match the best loan option to your family and budget. Once you’re set, we place you in a Pre-Approved & Looking status.
* Under Contract → Processing: When you have a signed contract, your file moves to our Processor and Operations Team Manager, Andy. During this phase, Andy is your main point of contact for documentation, conditions, and status updates while the loan is in process.
* Weekly Updates + Problem-Solving: Cat and JT stay involved through weekly updates and step in if a loan needs restructuring or if we’re not getting what we need to keep things moving.
* Clear to Close + Closing: Once we receive Clear to Close, Cat and JT notify everyone, and we’ll do our best to meet you at the closing table when possible.
This team approach is intentional: it keeps your loan moving fast, ensures you get quick answers, and prevents delays caused by routing everything through one person.
Why Work With Cat & JT
Q: Why not use an online lender?
Short Answer:
Because you’ll work directly with experienced loan officers who provide personalized guidance, clear communication, and real accountability — not a call center or automated system.
Long Answer:
Online lenders can work in simple situations. But when anything gets even slightly complex (and most loans do), the difference is guidance + communication + problem-solving.
Here’s what you get with Cat & JT:
* Real strategy, not just an approval: We don’t just “get you approved.” We help you choose the best loan for your family and your budget.
* Proactive communication: You can reach us, and we stay ahead of deadlines so you’re not chasing updates.
* Fewer surprises: We review details early (income, credit, property type, etc.) so problems don’t show up at the worst possible time.
* Local + multi-state expertise: We’re licensed in Oklahoma, Texas, Kansas, and Missouri, and we work closely with your agent to keep the deal smooth.
Bottom line: just because a lender can approve a loan doesn’t mean it’s the best fit — we help you make a smart move, not just a fast one.
Q: Do you work with my real estate agent?
Short Answer:
Yes. We work closely with your real estate agent to keep communication clear, timelines on track, and transactions moving smoothly.
Long Answer:
We coordinate closely with your buyer’s agent and the listing agent to keep the deal moving and reduce surprises — from offer deadlines and pre-approval letters to appraisal, underwriting conditions, and closing timelines. Clear communication between lender and agent is one of the best ways to get you to the closing table on time.
Q: How do you keep everyone on the same page during the loan?
Short Answer:
We prioritize proactive communication and coordination between you, your agent, and all parties involved in the transaction.
Long Answer:
We run consistent weekly Tuesday update calls to key parties — typically the agents, buyer(s), title company, and insurance agent — so everyone knows what’s done, what’s next, and what we’re waiting on. And yes — we’ll also ask to be considered for future clients if we’ve earned it.
If an agent trusted us with a referral, we’re big believers in relationships, and when we’re asked to recommend an agent, we’re happy to connect people with the right fit — often starting with the agent who referred the buyer, when appropriate.
Q: What if I'm not ready yet?
Short Answer:
That’s completely fine. We help buyers understand where they stand and what steps to take — without pressure or obligation.
Long Answer:
That’s totally fine. You don’t have to be “ready today” to talk with us. In fact, some of our best success stories started with a simple conversation months — even years — before buying.
Cat is especially great at helping people get ready over time. She’s helped buyers build credit improvement plans, map out monthly budgets, and take practical steps to move from “not yet” to “we’re closing.” You’ll get a real, supportive, family-type experience — and a clear plan — not pressure.
Q: Do you stay in touch after closing — or are we “done” once the loan funds?
Short Answer:
Yes. We stay connected after closing and remain a long-term resource — and if rates improve, we’ll help you explore refinance options through our Secure & Save program.
Long Answer:
We stay in touch. Our goal is for you to feel like family — not like an application number.
After closing, we’ll reach out for an Annual Mortgage Review to check in, answer questions, and make sure your mortgage still fits your goals. Each year we’ll also remind you about your Homestead Tax Exemption so you don’t miss a benefit that can lower your property taxes (when eligible). We also offer our Secure & Save program.
Secure & Save: If interest rates drop within the first 24 months after closing, we’ll help you refinance and waive our lender fees. You would still be responsible for third-party costs like appraisal and title fees.
And yes — if we did a great job, we’ll ask you to refer friends or family who could use the same kind of straightforward, personal guidance.
Note: All refinances are subject to qualification, loan program guidelines, and Secure & Save program terms.
Cat & JT | Success Mortgage Partners
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