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Mortgage Loans for Staten Island : (718) 477-4405

Chris Caggiano - Grand Oaks Funding, LLC — Getting the Best Staten Island Mortgage

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Mortgage Loans for Staten Island : (718) 477-4405 | grandoaksfunding.com Reviews

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Chris Caggiano - Grand Oaks Funding, LLC &mdash; Getting the Best Staten Island Mortgage

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Debt Ratios for Residential Financing : Mortgage Loans for Staten Island - (718) 477-4405

http://www.grandoaksfunding.com/Debt-to-IncomeRatios

Chris Caggiano - Grand Oaks Funding, LLC. Chris Caggiano - Grand Oaks Funding, LLC. Rates and A.P.R. Fixed Vs. Adjustable. How Much You Can Afford. Ratio of Debt to Income. The ratio of debt to income is a formula lenders use to calculate how much money can be used for your monthly mortgage payment after you have met your various other monthly debt payments. How to figure the qualifying ratio. Usually, conventional loans need a qualifying ratio of 28/36. With a 29/41 (FHA) qualifying ratio. Don't forget ...

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Don't Trip Yourself up While Buying a Home : Mortgage Loans for Staten Island - (718) 477-4405

http://www.grandoaksfunding.com/BuyerInfo

Chris Caggiano - Grand Oaks Funding, LLC. Chris Caggiano - Grand Oaks Funding, LLC. Rates and A.P.R. Fixed Vs. Adjustable. How Much You Can Afford. Don't Trip Yourself up While Buying your New Home. Looking for mortgage advice? We'd be thrilled to discuss your mortgage needs! Give us a call at (718) 477-4405. Want to get started? Don't buy luxury items. Don't look for a new job. Consistency in your job history is a good thing to lenders. Changing jobs may not affect your ability to qualify. Don't give fu...

3

How the Loan Process Works

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Chris Caggiano - Grand Oaks Funding, LLC. Chris Caggiano - Grand Oaks Funding, LLC. Rates and A.P.R. Fixed Vs. Adjustable. How Much You Can Afford. The Loan Process: Four Steps. Looking for mortgage advice? We will be glad to help! Call us at (718) 477-4405. Ready to get started? Getting a mortgage loan involves four major steps. Step one: Decide how much you can afford. This is a function of a couple things. What kind of monthly payment are you looking for? Step two: pre-qualify for your loan. After you...

4

Mortgage Calculators

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Chris Caggiano - Grand Oaks Funding, LLC. Chris Caggiano - Grand Oaks Funding, LLC. Rates and A.P.R. Fixed Vs. Adjustable. How Much You Can Afford. Rates and Payments Research. Calculate your payment and amortization schedule. Compare multiple terms for a given principal and rate. For example, see the difference between a 15 year and a 30 year mortgage. See how changes in your rate affect your payment for a given principal and term. Find the APR on a fixed rate mortgage. Tax Savings for Renters. Factor i...

5

Information required on a loan application - Chris Caggiano - Grand Oaks Funding, LLC

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Chris Caggiano - Grand Oaks Funding, LLC. Chris Caggiano - Grand Oaks Funding, LLC. Rates and A.P.R. Fixed Vs. Adjustable. How Much You Can Afford. What information will be needed for the application (and how it's kept private). Here is a list of the information mortgage lenders will use to consider your loan application. Social Security Number, for borrower and co-borrower if any. For the last two years, employment dates, addresses, salary. Current pay stubs or W-2 forms. Address of bank if out of town.

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