Valerie Archer Belardo
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Mortgage & Title Services
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So you're buying a home. Not an easy decision by any means, but we make it our mission to simplify the process as much as possible. The purchase of a home is probably the most significant single purchase most of us will make in our lives -- a decision and transaction that is much easier to make with the right information!
First-Time Home Buyer Programs - Take advantage of the many special programs that will make getting a first mortgage easier. We'll guide you through the mortgage process, give you a free mortgage affordability estimate so you know just how much you can afford, and then help you select the mortgage that's right for you.
Lending to Borrowers with Limited Credit History - We are committed to offering a product set that meets the needs of today's home buyers, ranging from limited documentation features to the non-traditional borrowing needs of customers with good credit.
Fixed-Rate and Adjustable Rate Mortgages - Fixed Rate mortgages provide the security of stable interest rates and monthly payments throughout the life of the loan. While for Adjustable-Rate Mortgages (ARMs), interest is fixed for a set period of time, and adjusts periodically thereafter. ARMs are available for short-and long-term mortgage loans.
Home Equity Loans - We can obtain a number of home equity financing options to meet your needs. Borrowers can turn the equity in their home into an ongoing, convenient source of cash that is available for a variety of purposes. Combining a first mortgage and home equity loan or line of credit that can mean lower rates and closing costs. It saves time and money with ONE application, ONE approval, and ONE closing.
FHA and VA Mortgages - When you think of FHA and VA mortgages, think of us as your government lending expert. You can choose from a full range of FHA and VA mortgages. You can expect to receive personal attention, as well as exceptional customer service.
Pre-Approval Programs. - Let us pre-approve your loan application before you shop for a home. Our program allows you to look for a home with the confidence of knowing you have already been approved for a mortgage. Your offer will be more attractive to sellers. You can also lock into a mortgage rate that is in effect for up to 90 days while you shop for your dream home.