Providing effective help to obtain a mortgage requires long experience meeting a variety of challenges.

Sellers and Buyers are not usually familiar with lenders' requirements for loan qualifying because things change so rapidly and there are many loan programs available. Using his expertise in finance, Brian will present you with many differerent loan options and payment programs. Together, you and TeamWorks will select the mortgage solution that meets your needs best.

Fixed Rate Mortgage vs. Adjustable Rate Mortgage

Home buyers who might benefit from a fixed-rate
mortgage include:
Buyers on a limited or fixed income
–Buyers who prefer the convenience of a consistent
fixed payment schedule.

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–Buyers who are not comfortable with possible
interest rate fluctuations

Home buyers who might benefit from an ARM include:
Buyers who do not plan to stay in their home for a long time
–Buyers who may not have high incomes now but expect to earn more in the future
–Buyers who are confident that they will be able to handle any future rate increases

Pre-Approval Program
Many buyers are applying for a loan and obtaining approval before they find the home thay want to buy.
____Here are the benefits:
You look at the right homes
–You save money dealing with a comfortable seller
–You close more quickly
–You minimize trauma of not knowing whether or not you qualify

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For answers regarding mortgages and what you can afford,
let Brian guide you through the mortgage process.

For direct pre-approval and specific mortgage information, we recommend that you select from the following lenders:

Bank of America

Burke & Herbert Bank & Trust Co.

Cheryl Freeman Group

Nations Bank