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Refinance Loans
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Your Local Ignite Mortgage Loan Officer
Hey, I’m Brandon DeLoach, a Mortgage Loan Officer specializing in helping first-time homebuyers and real estate investors.
I know buying a home can feel overwhelming, especially if it’s your first time. My goal is to make the process as simple and stress-free as possible while helping you understand your options and find a loan that fits your situation.
I also work with real estate Investors looking to purchase rental and Investment properties. Whether you’re buying your first home, your next property, or looking to grow your real estate portfolio, I’m here to help you find the right financing strategy.
I believe in being upfront, staying accessible, and making sure my clients understand what’s going on every step of the way. I’m not just here to get you approved I want to help you make a smart move for your financial goals.
Brandon
DeLoach
Loan Officer
NMLS# 2827474
States Licensed:
FL, MI
The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
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If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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Get pre-approved for a purchase
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Get pre-approved for a refinance
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Calculate equity for a cash-out refinance
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Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.