Ownit, LLC

First time buyers can benefit from our programs and services. Contact us.

Take advantage of the lowest rates ever. Refinance to lower your monthly or get cash out for debt consolidation and home improvements.

I know that the recent fall of the stock market may have you worried about the value of your IRA or 401-K. My recommendation is to take control what you can. Rates have fallen to historical lows. If you were on the fence about refinancing your current loan, you should look into it now.

Rates are dropping and are at historic lows. Call or email me to discuss your refinancing options.

Have you seen our rates?

The winter season has been stronger than ever. First time buyers are in a great position to buy a new home because there is generally less buyer competition and interest rates remain at historical lows. Keep your eyes open for opportunities!

What is a Pre-Qualification (Pre-Qual)? A Pre-Qual is an analysis of a borrower's creditworthiness and ability to borrow, based on preliminary documentation. Note that we'll need to run a credit report in order to provide an accurate assessment of your ability to borrow.... Why do you need a Pre-Qual? Most realtors don't consider an "offer" without Pre-Qual paperwork. What financial documents will I need to provide for a complete mortgage application? * Contract of sale for your new home, signed and dated by all parties, if applicable. * Most recent paystubs covering the most recent 30 days. * Two (2) years W2 statements. * Two (2) years Federal tax returns (1040) with all schedules and business tax returns, if applicable. * Two (2) months bank statements, all pages, for all bank and retirement accounts. * Current mortgage statements, property tax bills, and hazard insurance bills for all properties owned, and any HOA statements, if applicable. * Your attorney's contact information. * Real estate agent's contact information.

Most borrowers think they should only ask us for a Pre-Approval when buying a home. Well guess what? You should ask us before you refinance as well. Do it now!