We help you to achieve the dream of having your own house sooner than you think

Talk to Raphael if you need help with financing and refinancing.
NMLS #1459108

Specializes in

Refinance loans

Purchase

Purchase and finance

Real estate financing

What is real estate financing?

Real estate financing is a type of indicative with the finality of property acquisition. The resources allow the purchase of property by the person, who then pays the debt in installments to the institution that granted the credit, as well as interest and correction rates.

Making sure everything goes well with your real estate financing process.

Mortgage process

As a real estate agent, I will be present at every step to make sure that you understand each one of them and finish the process smoothly.

Find the right loan

I offer you a wide variety of real estate financing options.

Home loan checklist

The key to an easier, successful real estate financing process is planning early.

Refinancing

Most people look for a simple way to determine whether they have enough capital when considering a refinance.

Unfortunately, the requirements are not uniform, so it may be hard for many owners to understand them.

It’s common to come across a tax rate and want to block it, only to discover during the property valuation process that your property value has fallen or has not risen as much as you would like. Combine the low property value with the current low mortgage payment and you will have the receipt for a mistake.

Refinancing tips

Consider how much time you will live in your house.

How much time do you intend to stay in your current house? Refinancing may reduce your monthly payment at first, but it may not always mean that you save money in the long term.

Know the fees related to your current mortgage

Your current loan provisions may issue penalties for paying off your home loan early. Speak with your loan officer to ensure that your refinance rates will cover any applicable fees.

Know your credit score prior to applying

Review your credit report and get a copy of your credit score before you begin the refinancing process. Report any errors you find, and avoid actions that may lower your score. Having a higher credit score is more likely to result in a favorable interest rate and refinancing offer.

About Raphael

You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan, it does not matter: we offer a variety of services suited for all your needs.

You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I’ll be with you every step of the way, from application to closing and beyond.

Contact us