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Empowering Your Homeownership Journey.

To empower individuals and families by providing expert mortgage advice, personalized financial solutions, and exceptional customer service, helping you achieve your homeownership and financial goals.

I promise to guide you through every step of the mortgage journey with personalized support, expert advice, and a commitment to your financial well-being.

My Mission

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Low Fees

With HomeFi, borrowers typically save over a thousand dollars on closing costs. Plus, you can apply for a mortgage without any upfront fees, making the process both cost-effective and hassle-free.

Faster Process

HomeFi accelerates the loan process, closing loans 10 days faster than the national average. Our streamlined approach eliminates unnecessary costs and speeds up every step, ensuring a swift and efficient experience.

The Experience

At HomeFi, we are fully dedicated to delivering the best customer experience. Our streamlined process not only simplifies the mortgage journey but also educates you every step of the way.

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 FAQs

  • Buying a home is an investment. When you own a home, you can build equity over time, potentially benefit from property value appreciation, and take advantage of tax deductions on mortgage interest and property taxes.

  • This depends on your income, debt, credit score, and the amount of your down payment. It's generally recommended that your monthly mortgage payment should not exceed 28% of your gross monthly income.

  • Pre-qualification is an initial assessment of your financial situation to estimate how much you might be able to borrow. Pre-approval is a more detailed process where the lender verifies your financial information and commits to lending you a specific amount.

  • There are several types of mortgages, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and USDA loans. Each has its own terms, benefits, and eligibility requirements.

  • Item descriptionA down payment is the amount of money you pay upfront when purchasing a home. The required amount varies but typically ranges from 3% to 20% of the home's purchase price.

  • Closing costs are fees associated with finalizing a home purchase, including loan origination fees, appraisal fees, title insurance, and attorney fees. These costs usually range from 2% to 5% of the loan amount

  • Yes, a home inspection is crucial. It helps identify any potential issues with the property before you finalize the purchase, ensuring you are making an informed decision.

  • PMI is insurance that protects the lender if you default on your loan. It is typically required if your down payment is less than 20% of the home's purchase price.

  • The timeline can vary, but it generally takes about 30 to 45 days from the time your offer is accepted to the closing date.

  • Look for an agent with experience, good communication skills, and a solid understanding of the local market. It's also important to choose someone you feel comfortable working with