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Apps for Finding a Great Neighborhood
Apps for Finding a Great Neighborhood 1024 576 patrickgardner

A large part of a successful move is finding a good neighborhood. Here’s a few ways to find what pretty much everyone agrees makes up a good ‘hood: Schools: You can view demographics and stats…

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

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…

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…

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.…

Personal Branding 101
Personal Branding 101 1024 683 patrickgardner

Developing a personal brand is similar to product branding. The overall goal with branding is to differentiate yourself (the product) in the market so you can attain your objectives, be those landing your dream job…

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…

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…

Things to Remember
Things to Remember 1024 683 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 track…

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…

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…

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…

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…

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