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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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Testimonials Page

Melissa Oliver was such a delight to work with, she had such a great energy and realism about her. And she walked us through the process every step of the way. And always had our best interest at heart. We trusted her advise and insight she really know what its all about. We are so glad she was there for us and would use her again if needed. Mimi Rajnak
What a great buying experience!! Melissa and the "O" team were amazing and we can't give them enough praise for their efforts. They were very quick to respond to our needs and were on top of the process the whole way. We found the home of our dreams and we have the "O" team to thank!! Visit their office, you wont be disappointed. Josh R.
Melissa is a Real Estate professional serving the Mother Lode Communities with top quality service and expertise. Her understanding of the local market is second to none and her ability to help buyers and sellers both is outstanding. Thanks you Melissa, for being a part of my experience. Rick Daniel
Definitely recommend Melissa and her team..great real estate agent!!! Sylvie Williams
Melissa has come though for me in all my real estate needs..Always going far beyond my expectations!!! She knows the area like the back of her hand...Should be anyones first choice here in the Motherlode! John Chiarpotti
Very knowledgeable and experienced. Would strongly recommend her to anyone with any real estate needs. Hands down the best Realtor in the county! Jacob Ramsey
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