Life circumstances often change, and sometimes that change means that our financial situation changes. Refinancing is a good option, but not everyone can qualify. Unforeseen circumstances like a loss of income, natural disaster, or divorce can put homeowners in a…Read More
How much house can you really afford? With rising rent prices, this can be a little bit of a hot-button topic. Financial gurus and thrifty spenders weigh in with many different opinions. But what matters is what the bank is…Read More
Refinancing your mortgage is one way to save a lot of money. Lower interest rates, shorter terms, and different mortgage types can all be strategic cost-savings that make refinancing an appealing option. But just like the original loan, refinancing comes…Read More
Paying your mortgage with a credit card is not as straightforward as pumping gas for your car or buying groceries. Most banks that offer mortgage lending services will not accept credit card payments on those mortgages. But, with a workaround,…Read More
A conforming loan is a type of home loan that has to conform to specific guidelines. Those guidelines are set by Government Sponsored Entities (or GSE’s) like loan providers such as Fannie Mae or Freddie Mac. The loan amount is…Read More
One of the largest investments you can make is buying a home, so properly maintaining it is essential for keeping or improving its value. Sometimes these types of improvement projects are planned. Other times they aren’t. What are your options…Read More
What is a Hybrid Loan? A hybrid loan is a mixture of two types of loans—specifically a fixed-rate loan and an adjustable-rate mortgage. The term hybrid in hybrid-loan refers to the fixed period of the loan. Usually, this time is…Read More
What is HARP A HARP (Home Affordable Refinance Program) mortgage is a home loan refinance program that offered homeowners the ability to refinance. Many homeowners have “underwater mortgages,” which means they owe more on their mortgage than the value of…Read More
Having a low credit score may be challenging, and in the past may have meant that homeownership was off the table. Fortunately, this is no longer true. There are loans available for people with low or bad credit, and we’ll…Read More
If not for down payments, many more people would be homeowners. The down payment is a hurdle that deters them from even trying to purchase a home. Even with a reasonable income, it’s no easy feat to accumulate 20% of…Read More
I have used Mares Mortgage several times over the past 5 years. Cutberto is very professional, up front and knowledgeable about mortgage financing. He keeps you informed throughout the process and if anything that can be done to improve my situation, he looks into every possibility. I have done and would definitely recommend Mares Mortgage to anybody that is in the market to finance or refinance their house purchase.
2015-04-20
We are very grateful for Mares Mortgage. Always available to answer questions and had our best interest in mind through the process.
2016-04-06
I didn’t think I would get a loan and Mares found the perfect lender for me. Talk about a personal touch, when I needed to ask them questions, there was no problem getting a hold of them immediately.
Ask for Christian Hernandez. He is the man!
2015-10-15
