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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

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Kim the mortgage pro

Kim the Mortgage Pro - Purchase & Refinance Home Loans PA & CT

Welcome to Kim The Mortgage Pro, your go-to mortgage company providing loan solutions for a wide range of needs. Whether you're a first-time homebuyer or looking to refinance, weve got you covered with an extensive selection of loan options. Our dedicated team of professionals is committed to helping you find the perfect loan that suits your unique circumstances.

At Kim The Mortgage Pro, we understand that each borrower has different requirements and financial goals. Thats why we offer a diverse range of loan types, including FHA, VA, USDA, Jumbo, Conventional, Non-Qm, and Bridge Loans. No matter your situation, our experienced mortgage experts are well-equipped to guide you through the process and find the ideal loan solution tailored to your needs.

Based in the beautiful state of Pennsylvania, our services extend to the whole state and also Connecticut. Whether you're located in the hustle and bustle of Wexford, the tranquil nature of Mars, or the friendly community of Zelienople, were here to ensure that you receive top-notch customer service and personalized loan assistance.

What sets Kim The Mortgage Pro apart is our commitment to going above and beyond for our customers. We understand that obtaining a mortgage can be a complex and overwhelming process, but our team is here to make it as smooth and stress-free as possible. From application to closing, well be with you every step of the way, providing clear communication, expert advice, and dependable support.

Dont settle for just any mortgage company. Choose Kim The Mortgage Pro for your lending needs. With our extensive loan options, dedicated team, and personalized approach, we strive to serve as your trusted partner in homeownership. Contact us today to learn more about our services and how we can help you achieve your financial goals. We look forward to assisting you on your journey to securing the ideal mortgage loan.

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Kim is a seasoned respected figure in the mortgage industry for over two decades. As a proud founder of my own mortgage company , I bring a wealth of experience and commitment to personalized service, complexities of financing and ensuring my clients secure the best mortgage options. My journey is defined by a passion for making homeownership dreams a realty, one tailored mortgage at a time.


Kim Ferraro

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