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Mortgage, lender, loan, home loan, mortgage broker, best, rates, best payments, interest rates, san jose, california, pnc mortgage, bank, refinance, purchase, residential, FHA, fixed.1. Fixed Rate Mortgages: The most common type of mortgage program where your monthly payments for interest and principal never change. 2. Adjustable Rate Mortgages (ARM): These loans begin with an interest rate that is lower than a comparable fixed rate mortgage. Lower My Monthly Payment When you're looking for options to improve monthly cash flow, quick or temporary fixes can be stressful and expensive. Relax. There may be a better way. I can help you evaluate your options to increase your monthly cash flow by refinancing your mortgage. Consolidate My Debt Dont let unwanted debt destroy what youre working toward. Refinancing your mortgage can offer a solution that relieves stress while paying off high-interest credit cards or other outstanding bills. With me its easy to find the perfect plan to put you on track. Refinance to a Fixed Rate Adjustable Rate Mortgages (ARMs) can be a great option for some home owners, but its important to know when an ARM will work for you and when it may work against you. I can answer your questions quickly and accurately. If its time for you to make a change, let me help you evaluate your options to refinance to a fixed rate mortgage. Cash-out Refinance Whether its upgrading your kitchen or paying college tuition, refinancing with PNC Mortgage can help you put those plans into motion. Contact me and make it happen.
We assist our clients in making smart choices in selecting residential mortgage loans. Close with certainty. Buying a home or refinancing a mortgage is a major financial decision. We will help guide you through the process, find the loan program that's best for you and give you confidence in closing your transaction. Finding the right house is only half the battle; you also need to find the right mortgage loan. Just as no two houses are alike, no two mortgage loans are alike either. Interest rates and repayment terms are just the beginning. Fixed rate loans are ideal for homeowners who want to be able to plan on a set payment and rate throughout the duration of their mortgage. With our experience and expertise we will help conveniently and effectively refinance your loans in a way that's right for you. Qualifying borrowers may be eligible for Federal Housing Administration (FHA). We specialize in matching home buyers with the right mortgages. We're committed to providing the highest quality service available anywhere. Call us today to learn more about how we can help you buy your new home. We look forward to hearing from you. First-time Homebuyer When youre thinking about buying a home for the first time, it can seem overwhelming. We can help. Let us take the guesswork out of the process with our easy information and simple explanations. It's Time to Buy a New Home Youve got plans. Do you need more space for a growing family? Are you considering a new job that requires a move? Ready to upgrade to your dream home? Whatever the reason, I'm here to make it as fast, simple and seamless as possible. Welcome home to PNC Mortgage. Benefit of buying #1: EQUITY Paying money to yourself. One of the greatest things about buying a home is that it acts like an investment or savings account for you with each monthly payment. This means that with every monthly mortgage payment you are investing in your future and gaining more equity in your home. Benefit of buying #2: TAX DEDUCTIONS Get credit for owning. The federal government generally allows you to deduct the interest you pay on your mortgage from your income taxes. Most states also allow this deduction from your state return. Current (2008) federal and many state provisions also allow deductions for property taxes.** Since interest will be the majority of your monthly payment for many years of your mortgage term, and most states collect property taxes, these deductions add up to thousands in tax savings every year. Thank you Uncle Sam! **We encourage you to consult a tax advisor regarding tax deductibility of mortgage interest and property taxes. Benefit of buying #3: DOUBLE UP YOUR DIVIDENDS Extra equity can happen. Another great benefit that has historically come with home ownership is increasing property value. This means that under normal conditions, the value of your home goes up with time. This will vary based on the economy. Rising property values add to the equity youre building in your home over time and all you have to do is enjoy taking care of your home!
Real Estate, Residential Home Loans. Purchase, Refinance.
2010
11 Years of experience in Banking & Finance.
Open 24 hours
Business Description
Purchase loan and Refinance mortgage expert. For more than 11 years I have been helping California homebuyers realize their home ownership goals. I understand that you?re not just making a financial investment; you?re investing in your family?s future.
Call me for more information on how I can help your family find the right mortgage for your home purchase. I CAN save you time and money by identifying the best loan product that match your particular situation and preferences.
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