Whether you're looking for a better rate or trying to access your home equity, our refiance options have you covered.
Schedule a Planning Call

Watch and learn

Buying a new home?
Find out how easy it is to qualify for your mortgage today!
Learn More

Read and Watch

Your one stop shop for all of your mortgage related needs and resources. Learn all the ins and outs of managing your mortgage, leveraging your equity, and landing your dream home.
Don't let your remodel price you out of the market.
Read Quote
Refinance rates are cyclical. Buy the dip.
Read Quote
Find the right home for your budget
Schedule a Planning Call

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Get your FREE mortgage payment estimate*
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
/ 10
Where are you located?
What type of home are you purchasing?
Estimate your credit score.
What is the purchase price of the new property?
What is your estimated downpayment?
3.5% Down
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
What is your email address?
What is your phone number?
Your information won’t be sold
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Stephen Bellew
Branch Manager
NMLS: 1704019
Schedule a consultation
Privacy and Security Guaranteed
Oops! Something went wrong while submitting the form.
1 Stephen Bellew Gold Financial Services 166794335641580