Know before you close.
Straightforward mortgage guidance for veterans, investors, first-time buyers, and homeowners considering a refinance. Education first, numbers second.
What would you like to do?
Start with what you are actually trying to figure out.
- VeteranYour benefit is probably worth more than you were told. Usually no down payment, no monthly mortgage insurance, and a funding fee some veterans are exempt from.
- First-time buyerYou are not behind. We start with how a mortgage actually works, then look at which programs fit what you have saved and what you earn.
- InvestorNumbers first. Some of these qualify on the property's income or on deposits rather than tax returns, which matters when your returns do not tell the whole story.
- Rate and termChange your rate or how long you have left, without pulling cash out. Worth doing only if the math clears what it costs you.
- Cash-outTurn equity into cash, subject to qualification. You are trading a lower balance for money now, so what you use it for should be worth the trade.
Peter Phatthong
Mortgage Advisor. USMC veteran. NMLS# 2418779.
My approach is simple. I walk you through the home buying process so nothing surprises you, I show you the real numbers, and I take your file to multiple lenders instead of just one. You only tell your story once.
What would this actually cost per month?
Enter your numbers for a starting estimate. This is an estimate, not a loan approval or a commitment to lend.
Estimated monthly payment
$0
Estimate only. Your actual payment depends on your full financial picture, final terms, and current market conditions. This is not a loan approval, a pre-qualification, or a commitment to lend. All loans are subject to credit approval.
Have a question before you decide anything?
That is exactly what this conversation is for.
Get in touch