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UNDERSTAND BEFORE YOU DECIDE
Better questions.
More informed decisions.
Practical starting points for homebuyers, business owners and investors.
HOME EQUITY
How does a HELOC compare with refinancing?
Understand revolving credit, draw and repayment periods, costs and payment changes.
Read the HELOC guide ↗GETTING STARTEDWhat to bring to your first mortgage conversation
A focused list that begins with your goals and the information you already have.
Read the guide ↗SELF-EMPLOYED BORROWERSConventional, bank statement, P&L or no-ratio?
Understand the different questions these financing approaches are designed to address.
Explore the differences ↗CONDO FINANCINGWhy the association matters to your condo mortgage
Look beyond the individual unit and start the project conversation early.
Read the condo guide ↗PLAN WITH A CLEARER PICTURE
What could your monthly payment look like?
Adjust the assumptions to explore a budget. The rate below is an illustrative input, not a current rate offer.
ESTIMATED MONTHLY HOUSING COST
—Based on your assumptions
Principal & interest—
Property taxes—
Homeowners insurance—
HOA + mortgage insurance—
How this estimate is calculated
Loan amount = price × (1 − down payment ÷ 100). Monthly rate = annual interest rate ÷ 100 ÷ 12. Number of payments = years × 12. Principal and interest = loan amount × monthly rate ÷ [1 − (1 + monthly rate)−number of payments]. At a zero rate, principal and interest = loan amount ÷ number of payments. Add annual taxes ÷ 12, annual insurance ÷ 12, monthly HOA dues and the mortgage insurance you enter. Calculations retain full precision; displayed dollar amounts round to the nearest dollar.
A FEW COMMON QUESTIONS
Let’s make the next step easier.
Do I need to know which loan program I want?
No. Start with your goals and financial picture. We can discuss the relevant options and explain what each approach would require.
Can we talk before I complete an application?
Yes. Call or email Mike to discuss your situation first. An application can follow when you are ready to move forward.
What if my income doesn’t fit a traditional pay stub?
Self-employment, investment activity and other financial circumstances may call for a different documentation conversation. Explore bank statement, P&L and no-ratio options, subject to the actual program requirements.
Why does a condo need a separate conversation?
The lender may need to evaluate the project as well as the borrower and unit. Starting early helps identify the relevant documents and unanswered questions. Read the condo guide.
Where do I complete my application?
Mortgage applications are handled through Mike Graves at Neighborhood Mortgage using its eTrafficers portal. Start an application or sign in to an existing account. Condo Consult provides separate project consulting.
A CLEARER NEXT STEP
Tell me where you want to go.
We’ll talk through how to get there.
Buying, refinancing, investing or navigating a condo question? Start with a conversation.