Residential Mortgages

The advantage is this, we know which lender is right for you and more often than not can negotiate a better deal which usually means a better rate. Furthermore we purposely do not advertise interest rates simply because the rate is relative to the clients credit worthiness, property location and many other factors that each Lender weighs in differently. Just because an attractive rate is advertised does not mean you will qualify. Don’t be fooled by the hype.

Michal Zagol has relationships with the various lending entities and knowing what each lender is offering. If you don’t qualify for the best rate, we can find alternative solutions. Whether you are looking for a mortgage to purchase a home, refinance it or take out equity the process is pretty well the same but can be confusing and intimidating to even the most savvy individual.

We take all your information and based on what you provided we determine how much you can afford to spend monthly. While you may qualify for one amount, it might be too high for your budget.. Set a monthly dollar amount that you feel comfortable committing to. Don’t forget to figure in additional costs, such as insurance, taxes, maintenance, interest, and principle.