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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Reasonable Advice When Finding A House Loan

If you are intending to buy your own house and apply for a conventional home loan in Hampshire, TN, there are several things that you must recognize. You must know that house loans are different with respect to the loan company. You cannot simply apply for a specific house loan without knowing their conditions and terms and the other factors that can impact your repayments. This is certainly a big investment so you cannot make a single mistake when you are attempting to select a loan. It’s a great thing that there are a lot of ways to find a loan that may fit your personal circumstances, and your current financial predicament. We are going to give you some great guidelines on how to locate the best house loan.

The first thing that you must do is to compare home loans by asking a loan estimate from the loan providers. Essentially, you will need to ask for a loan estimate from several loan companies because this will give you the information that you should know about their features and fees.

A loan estimate will explain the amount that you have to pay back over the life of the loan as well as the repayment amounts, fees and other charges. It will also provide you with a customized comparison rate to help you look at the total cost of the loans.

If a lender won’t give you a loan estimate, you may eliminate them your list. This is a must if you wish to ensure that you may find the best home loan with the appropriate features and lowest interest rates.

Most individuals look at the interest rate of the loan when they are trying to find a VA Loan or an FHA Loan. It’s a good idea to look at the interest rate, but there are some factors that you should check including the fees of the loan. There are times when the lowest interest rates can have the most costly fees so you should look at the loan first. You can calculate the amount that you must pay monthly and the loan estimate will surely be a big help. The interest can actually change because of distinct factors so you need to be sure that you can review the rates and you could ask an expert for help if you’re having a tough time understanding the fees linked to the loan.

It is also essential to check the payment options that a lender can offer if you will apply for a home loan. These lenders will definitely enable you to pay the loan from 15 to 30 years based on your choice. If you will select the 15-year option, you will have to pay more monthly, but you could finish the loan faster and the overall cost will be lower as well.

As for the 30-year option, the monthly repayments are undoubtedly lower, but the total cost of the house loan will be higher. You should try to ask the loan companies if they can offer distinct payment options.

These are the suggestions that you can follow if you want to find a home loan in Hampshire, TN. There are things that you must understand such as the reverse mortgage or you may want to refinance mortgage in the near future. You can actually decide to speak with the lenders if you wish to understand if you can do these while you are still repaying the loan.

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