Specializes in
Refinance loans
Purchase
Purchase and finance
Real estate financing
What is real estate financing?
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
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 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.
