Where are you in the home loan process?

 

Why Choose Us for Your Mortgage Needs?

We Believe In Transparency & Honesty In Lending
We Believe In Finding The Right Loan For Your Needs
We Believe In Keeping The Home Loan Process Simple
We Believe In Open Communication
We Believe In Fast Loan Approval
We Believe In Relationships That Last
 

Don't take our word for it, hear what our happy customers are saying

5 Star Ratings


Al Moreira is the best mortgage broker in Atlanta! He is extremely professional, experienced, knowledgeable, and works for the best mortgage company I have done business with. I will use Al for all my home financing needs and recommend him to all my friends.

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Nelson Garcia-

 

Grab the latest quick start guides that fit your mortgage needs

(Download these Step by Step Home Mortgage Guides. Click on ANY Home Loan ebook to view/download. These Free High Quality Guides are a must have!)

 

This Home Loan Series Includes: Conventional, FHA, VA, USDA, HARP 2.0, and Jumbo Mortgages



Conventional Mortgage ebook FHA Mortgage ebook VA Home Loan ebook USDA Home Loan ebook HARP 2.0 Home Loan ebook Jumbo Home Loan ebook

This Home Mortgage Series Includes: First Time Home Buyers, Getting Home Loan Ready, Financing Your Home, and Home Loan Ready Credit


First Time Home Buyer ebook Getting Home Loan Ready ebook Financing Your Home ebook Home Loan Ready Credit ebook

A Mortgage Broker Should Be Transparent & Honest

Everyone wants to be treated fairly when financing a home. At Moreira Team a division of TJC Mortgage, Inc., our policy is to be 100% transparent and honest when presenting you with the best home loan options for your situation. We don’t hide any fees or costs associated with your mortgage from you. This allows you to choose the best loan without worries.

Home Loans Can Be Confusing

We are here to make the process easy for you. One of our qualified mortgage brokers will help make buying or refinancing a home understandable. We will walk you through the process helping you to make educated decisions.

Mortgages Can Be A Pain, We Keep The Home Mortgage Process Simple

We educate you with down to earth explanations not services jargon. Our system is a series of simple steps, which is easy to follow.

Mortgage Companies Need Open Communication

You need a mortgage company that involves you in the process every step of the way. During your loan process we keep you updated of every phase in your loan. You will never be in the dark as to where the loan is at and how much longer your loan will take to be approved.

Mortgage Lenders Should Provide Fast Loan Approval

With all the changes in the home lenders market going on, We have the most streamline approval process which we constantly tweak to get you approved fast.

You Need A Mortgage Lender Who Who Believes In Lasting Relationships

We want you to feel so happy with your experience with us, that if a friend asked you who you trusted to finance a home, you would think of us.

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Clear-Cut Ideas When Finding A House Loan Solved

If you are thinking of getting a new house and go with a conventional home loan in Adamsville, TN, there are some things that you should know about. House loans are actually different with respect to the lender. You can’t simply apply for a particular loan without understanding anything about their conditions and terms and other aspects that may impact your payment options. This is undoubtedly a big investment so you should not make any mistakes when you’re looking for a loan.

It is definitely a great thing that there are tons of methods to find a loan that can fit your personal choices and your financial predicament. We’re going to give you some suggestions on how to locate the best mortgage loan.

The most essential thing that you could do is to compare mortgage loans by requesting a loan estimate from various lenders. This loan estimate will actually provide information about the features of the loans and the fees connected with it. A loan estimate can also tell you the amount that you will have to pay back over the life of the loan and also the payment amounts, fees and other charges. It will provide you with a customized comparison rate so you can check the total cost of the loans.

If a loan company won’t agree to give a loan estimate, you must remove them off your list. This is extremely essential if you’d like to search for the house loan that may provide the right features and low interest rates.

If you are looking for a VA Loan or an FHA Loan, you are looking at the interest rate of the loan. It is certainly an excellent idea to check the interest rate, but there are a lot of elements that you should check including the fees of the house loan. There are occasions when the lowest interest rates will have the most costly fees so you have to look into the loan first. You should calculate the amount that you will pay monthly and the loan estimate will be a big help here. The interest rate can even change because of various factors so you should make certain that you will review the rates and you could ask a professional for some help if you’re having a hard time knowing the fees of the loan.

It is also essential to look into the repayment options that a loan company can offer if you will apply for a mortgage loan. As you all know, these lenders will enable you to pay the loan from 15 to 30 years based on your preference. If you will choose to opt for a 15-year option, you’ll need to pay more monthly, but the loan will be done faster and the overall cost will also be lower.

If you’ll consider the 30-year option, the monthly payments will be lower, but the cost of the loan will be higher. You may always ask the loan providers if they can offer distinct repayment options for you.

These are some of the recommendations that you could actually follow if you’d like to ensure that you will find a home loan in Adamsville, TN. There are other things that you need to understand like the reverse mortgage or you might even want to refinance mortgage in the future. You may actually decide to speak with the loan providers if you want to understand if you could do these while you are still repaying the loan.

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