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Pre-Qualification vs. Pre-approval
Pre-Qualification vs. Pre-approval 1024 684 jaycurley

Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply…

8 Ways to Strengthen Referral Relationships
8 Ways to Strengthen Referral Relationships 1024 684 jaycurley

While there isn’t one “best” way to solidify your connections with referral sources, you can take a number of actions to build goodwill and credibility in those relationships. Here are 8 examples that should give…

Not Ready to Buy a Home? You Should Still Talk to a Lender.
Not Ready to Buy a Home? You Should Still Talk to a Lender. 1024 683 jaycurley

If you’re a first-time home buyer, you might think you’re not ready to purchase a house. Perhaps you’re concerned about your job situation, your previous credit history, or your high monthly expenses. Whatever the circumstances,…

Private Mortgage Insurance
Private Mortgage Insurance 1024 778 jaycurley

PMI, aka private mortgage insurance, is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making…

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…

Responsiveness is an Absolute Value
Responsiveness is an Absolute Value 1024 683 jaycurley

What does it mean to be responsive? First, it doesn’t mean fast. Responsiveness in selling is composed of two inseparable elements: value and speed. They both need to be present to be responsive. Take away…

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…

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…

Should You Refinance to a Shorter-Term Loan?
Should You Refinance to a Shorter-Term Loan? 1024 683 jaycurley

New homebuyers often choose to take out longer term mortgages such as a 30 year term mortgage on their new homes due to the security and peace of mind that a consistent monthly mortgage payment…

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…

30 Years of Certainty
30 Years of Certainty 1024 536 jaycurley

Thirty years can sound like a lifetime when you’re talking about getting a 30–year fixed–rate mortgage. There are so many uncertainties in life and who knows where you’ll be in 30 years. Will you switch…

Understanding Cash-Out Refinances
Understanding Cash-Out Refinances 1024 683 jaycurley

If you’ve built up significant equity through your monthly payments and your home’s appreciation, a cash-out refinance may make sense to improve your general financial situation or the value of your home. With a cash-out…

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