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VA Loans: What to Know and How to Apply
VA Loans: What to Know and How to Apply 1024 536 patrickgardner

The VA loan is arguably one of the best incentives tied to military service. Despite being an incredible home-purchasing tool, many of those eligible to utilize it are not aware of all of its benefits…

Mortgage Relief: What Is Forbearance?
Mortgage Relief: What Is Forbearance? 1024 536 admin

The stress of a looming mortgage payment can feel crushing when finances take a downturn. In response, many homeowners begin searching for relief options until they can get back on their feet. Forbearance is a…

How Do Interest Rates Affect My Purchase Power?
How Do Interest Rates Affect My Purchase Power? 1024 536 patrickgardner

Nothing affects a home’s affordability more than interest rates. After all, we live with the monthly payment, not the amount of the loan. The higher your mortgage rate is, the higher your monthly payments are…

Is a Mortgage Pre-Approval Necessary?
Is a Mortgage Pre-Approval Necessary? 1024 536 patrickgardner

Do you need a mortgage pre-approval letter to make an offer on a house? You know you need to get your ducks in a row before looking at homes, but does that include securing a…

Things to Remember
Things to Remember 1024 536 patrickgardner

  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…

The Factors That Determine Your Mortgage Interest Rate
The Factors That Determine Your Mortgage Interest Rate 1024 536 patrickgardner

When you take out a mortgage to buy a home, you pay interest over the years. So what determines that rate? Obviously, your credit history probably plays the biggest role, but there are other factors…

6 Tips for Selling Your Home Faster
6 Tips for Selling Your Home Faster 1024 536 jaycurley

If you’re ready to sell your house, then it’s time to get to work! Putting your house on the market takes a lot more than just sticking a “For Sale” sign in the front yard…

Top Tax Benefits of Owning a Home
Top Tax Benefits of Owning a Home 1024 536 patrickgardner

Owning a home will often be the most expensive and important purchase you will make in your life. To encourage home ownership, the IRS has provided several tax breaks for owning a home. Deductions lower…

Grants & Down Payment Assistance Programs
Grants & Down Payment Assistance Programs 1024 536 patrickgardner

A 2017 Zillow survey of 10,000 American adults found that two-in-three people who were then renting identified saving for a down payment as their biggest obstacle to homeownership. If you want to become a homeowner,…

Understanding Cash-Out Refinances
Understanding Cash-Out Refinances 1024 536 patrickgardner

  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…

Conforming & VA Loan Limit Changes for 2020
Conforming & VA Loan Limit Changes for 2020 1024 536 patrickgardner

FHFA Announced Increase in Conforming Loan Limits for 2020 The Federal Housing Finance Agency announced that it is raising the conforming loan limits for Fannie Mae and Freddie Mac to more than $510,000. In most…

Happy Veterans Day
Happy Veterans Day. Thank You for Your Service.
Happy Veterans Day. Thank You for Your Service. 1024 536 patrickgardner

$500.00 Lender Credit for Veterans1 You served our country. Now it’s time for us to serve you. We are proud to offer a $500.00 lender credit at settlement to any qualified Veteran, active duty U.S.…

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

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033

Patrick Gardner

Principal
NMLS ID #: 186839

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

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033