What types of mortgages are available?

What types of mortgages are available?

What is principle and interest loan?

What is principle and interest loan?

What is a fixed rate mortgage?

What is a fixed rate mortgage?

What is an interest only or interest first loan?

What is an interest only or interest first loan?

What is an adjustable rate mortgage?

What is an adjustable rate mortgage?

Are there first time home buyer programs?

Are there first time home buyer programs?

How does your mortgage decision relate to discipline?

How does your mortgage decision relate to discipline?

How does your mortgage decision relate to protection?

How does your mortgage decision relate to protection?

How does your mortgage decision relate to management?

How does your mortgage decision relate to management?

How does your mortgage decision relate to amount?

How does your mortgage decision relate to amount?

How does your mortgage decision relate to availability?

How does your mortgage decision relate to availability?

How does your mortgage decision relate to payment?

How does your mortgage decision relate to payment?

How does your mortgage decision relate to product?

How does your mortgage decision relate to product?

Are there first time home buyer programs?

Are there first time home buyer programs?

What is an adjustable rate mortgage?

What is an adjustable rate mortgage?

What is an interest only or interest first loan?

What is an interest only or interest first loan?

What is a fixed rate mortgage?

What is a fixed rate mortgage?

What is principle and interest loan?

What is principle and interest loan?

What types of mortgages are available?

What types of mortgages are available?

How do I know how much house I can afford?

How do I know how much house I can afford?

With all the lenders out there, How do I know I'm getting a good rate?

With all the lenders out there, How do I know I'm getting a good rate?

What do I look for in a mortgage advisor?

What do I look for in a mortgage advisor?

If I don't like the realtor I chose, am I stuck with them?

If I don't like the realtor I chose, am I stuck with them?

How do I find an agent?

How do I find an agent?

What do I look for in a realtor?

What do I look for in a realtor?

What is a seller concession?

What is a seller concession?

What is the lending process?

What is the lending process?

What information will we need to provide when applying for a mortgage?

What information will we need to provide when applying for a mortgage?

Can anyone get a loan?

Can anyone get a loan?

What if I have bad credit?

What if I have bad credit?

What is the difference between pre-qualifying and pre-approval?

What is the difference between pre-qualifying and pre-approval?

What happens at closing?

What happens at closing?

How long does the mortgage process take?

How long does the mortgage process take?

When and how would I know my loan has been approved?

When and how would I know my loan has been approved?

What is the purpose of a good faith estimate?

What is the purpose of a good faith estimate?

Are there any additional charges?

Are there any additional charges?

What is an appraisal?

What is an appraisal?

Do I need to pay for anything up front?

Do I need to pay for anything up front?

What is a point?

What is a point?

What are terms and closing costs?

What are terms and closing costs?

What is collateral?

What is collateral?

Will I need money for a down payment?

Will I need money for a down payment?

What does your income mean in terms of buying a house?

What does your income mean in terms of buying a house?

What are the key obstacles associated with character as it relates to getting a mortgage?

What are the key obstacles associated with character as it relates to getting a mortgage?

What if I have poor credit?

What if I have poor credit?

How does credit fit into the mortgage equation?

How does credit fit into the mortgage equation?

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Jeff Thomas

Mortgage Advisor - 227846, 227846

703-830-9808

Jeff Thomas is a Mortgage Advisor and Financial Educator in Fairfax, Virginia. Jeff has seen the mortgage business change significantly in the 20 years he has been in the business. Changes such as zero down loans, to relaxed underwriting guidelines to borrowing more than the house is actually worth on a purchase or refinance transaction. The industry has come full circle and is back to loans requiring a down payment and borrowers actually having to qualify for the mortgage that want to apply for. 

With the changes in the mortgage industry, Jeff has had to make changes in the way he performs his job. Jeff originally thought he was a loan originator, but after realizing the positive impact he could have on other peoples lives he made some basic adjustments to his business and now sees his position and career as a financial educator.

By taking the time upfront to get to know the people he serves, Jeff has been able to positively impact and improve the lives of the people he works with by providing relevant and timely advice.

This assistance comes in many forms, from insurance to painting to helping interview the right retirement professional. This core group of professionals allows Jeff to concentrate on providing the right advice for each person he works with.

Jeff recently co-authored a book with Todd Ballinger, called “Borrow Smart Retire Rich”.  The principles addressed in the book will be covered throughout the video. 

Jeff hopes you gain insight on how to purchase and finance a home and hopefully you will find your time well spent and walk away with some information you did not know before.  Jeff Thomas, Where Advice Does Make A Difference!

 

What is a fixed rate mortgage?

Mortgage Advisor Jeff Thomas discusses what a fixed rate mortgage is and how it has a defined beginning and end.

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