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

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…

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

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…

30 Years of Certainty
30 Years of Certainty 1024 536 patrickgardner

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…

Getting Pre-Approved Should Be Your First Step
Getting Pre-Approved Should Be Your First Step 1024 536 patrickgardner

Many potential homebuyers underestimate their purchasing power and overestimate the down payment and credit scores needed to qualify for a mortgage today. Completing a quick and easy pre-approval is the first step in determining all…

Pen Pals with Your Mortgage Lender?
Pen Pals with Your Mortgage Lender? 628 419 patrickgardner

According to a piece in the Wall Street Journal, it is a common practice for underwriters to reach out to borrowers asking for letters of explanation sometimes referred to as “comfort letters” to firm up…

Private Mortgage Insurance
Private Mortgage Insurance 1024 778 patrickgardner

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…

7 Reasons You Need a Real Estate Agent
7 Reasons You Need a Real Estate Agent 1024 710 patrickgardner

The road to homeownership can be bumpy, and it’s often filled with unexpected turns and detours. That’s why it makes sense to have a real estate pro help guide the way. While real estate websites…

Appraisal Methods
Appraisal Methods 689 460 patrickgardner

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…

Residential Mortgage Loan Underwriter
Residential Mortgage Loan Underwriter 628 419 patrickgardner

Job Summary: The Underwriter is responsible for mortgage loans originated by correspondents according to guidelines set by Vellum Mortgage, FNMA, FHLMC, FHA, and VA, for underwriting loans and ensuring compliance with department guidelines, state and…

Understanding Your Finances
Understanding Your Finances 628 419 patrickgardner

One of the first steps in the homebuying process is fully understanding your finances. It’s important and necessary to help you determine how much you can afford. Start by asking yourself the following questions and…

Exact Words To Use On Social Media To Get More Engagement
Exact Words To Use On Social Media To Get More Engagement 1024 684 patrickgardner

How you phrase your calls to action on social media can be the difference between just racking up impressions online and actually generating sales. Customers love to learn Research shows that people love to learn.…

4 Ways to Earn More Client Referrals
4 Ways to Earn More Client Referrals 1024 683 patrickgardner

What’s the first thing you do when you get a referral from a customer? Chances are, you’re so excited as you build your business that you fire off an email to the new lead hoping…

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?

Patrick Gardner

Principal
NMLS ID #: 186839

M: (571) 233-5230
O: (571) 830-2850

5860 Trinity Parkway, Suite 110
Centreville, VA 20120

Patrick Gardner

Principal
NMLS ID #: 186839

M: (571) 233-5230
O: (571) 830-2850

5860 Trinity Parkway, Suite 110
Centreville, VA 20120