Knowledge Base

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Appraisal Methods
Appraisal Methods 689 460 jaycurley

When you’re buying a home using a mortgage, refinancing your existing mortgage or selling your home to anyone other than an all-cash buyer, the home appraisal is a key component of the transaction. Whether you’re…

Deciding Whether to Refinance
Deciding Whether to Refinance 1024 683 jaycurley

During the term of your mortgage, you may want to refinance to meet a variety of personal and financial goals. Refinancing will completely replace your current mortgage with a new loan that provides you with…

Why was I countered?
Why was I countered? 1024 768 jaycurley

As a homebuyer, if you make an offer below list price, the seller may choose to reject, accept or simply let the offer expire. If there are multiple offers, the listing agent will lay out…

Things to Remember
Things to Remember 1024 683 jaycurley

The are many factors that can change your ability to qualify for a mortgage. It’s important to follow these guidelines until your loan is closed. Do Pay all your monthly bills on time Keep track…

Loan Officers Are Still Necessary, Just Ask a Millennial
Loan Officers Are Still Necessary, Just Ask a Millennial 1024 683 jaycurley

When it comes to mortgage lending from the consumer’s perspective, it’s not often as simple as it seems. To the consumer with several existing loans, several sources of income and a less-than-perfect credit report, the…

Moving Checklist & Planner
Moving Checklist & Planner 1024 555 jaycurley

Let’s face it, moving is stressful. Moving all your belongings from one place to another is hard, and so is relocating your life in general. But, let’s not forget that moving to a new place…

What’s the Point?
What’s the Point? 628 419 jaycurley

Your financial house is in order and you’re ready to make your dream of homeownership a reality. Now it’s time to get a mortgage. So what are these so called “points” and is there a…

New Mortgage Rules For Self-Employed Borrowers
New Mortgage Rules For Self-Employed Borrowers 1024 683 jaycurley

Being your own boss comes with a lot of perks. Easier mortgage approval may not be one of them. If you’re self-employed, you must meet different requirements than a salaried person to qualify for a…

Thinking About Buying a Home?
Thinking About Buying a Home? 628 419 jaycurley

One of the first steps in the homebuying process is fully understanding your finances. Here is a checklist to help you prepare. Avoid making changes to your financial story that could hurt you ability to…

Millennials Buy Homes for Their Best Friends
Millennials Buy Homes for Their Best Friends 1024 684 jaycurley

One–third of Millennials had their best friends at heart — dogs, that is — when deciding to buy their first homes. According to an online survey conducted by Harris Poll, only wanting a bigger home…

Why Use a Local Mortgage Lender?
Why Use a Local Mortgage Lender? 1024 667 jaycurley

Real estate agents who would represent you as a buyer do care which lender you use. They’ll often suggest that you use a local lender who’s experienced with your area’s nuances, such as local taxation…

5 Tips to Find More Clients
5 Tips to Find More Clients 1024 683 jaycurley

Expand Your Contact Database Many loan officers and real estate agents always seem to struggle with finding the time and money to market effectively. Expanding a contact database beyond friends, family and close business acquaintances…

Let’s Get Started Financing Your Home

You’re so close to being a homeowner or refinancing to meet your financial goals.

Have Questions or Want to Discuss Your Options?

Jay Curley

Principal
NMLS ID #: 187927

M: (571) 233-6078
O: (571) 830-2810

5860 Trinity Parkway, Suite 110
Centreville, VA 20120

Jay Curley

Principal
NMLS ID #: 187927

M: (571) 233-6078
O: (571) 830-2810

5860 Trinity Parkway, Suite 110
Centreville, VA 20120