Watch the latest Sean Z Team at USA Mortgage video for weekend events, the tip of the week and your chance to win the next drawing.
Archives for June 2016
St. Louis Mortgage Checklist – Information Needed For the Loan Process
Our St. Louis mortgage experts are here to make the home loan process easy and simple for you!
Whether you are buying a home or refinancing a property, there are a lot of steps in the process. It can seem overwhelming but our team is here to help. The following information will help keep you on track.
Mortgage Checklist
You want your mortgage application process to go smoothly, and so do we! You will need to gather certain information during the home loan process.
The following information is generally required:
- Social Security number
- Current pay stubs or tax returns for the past 2 years if self employed
- Two months of bank statements
- Two months of investment account statements
- Life insurance policy (if applicable)
- Two months of retirement account statements (if applicable)
- Make and model of the cars you own
- Auto loan information
- Credit card information
- Any personal loan information
If you already own real estate, you will need:
- Mortgage account info
- Home insurance information
- Information on home equity account (if applicable)
The Sean Z Team prides itself on making the home loan process simple, straightforward and fast in the St. Louis area. Our highly experienced team of mortgage experts can help you take the first step toward the best financial solution for you and your family.
St. Louis Mortgage Experts
We study current interest trends daily so that we are always up-to-date not just with what’s happening now, but with what may be happening 6 months from now. Our goal is to get you locked into the best mortgage rate available for the loan that is right for your needs.
For all of your refinancing questions and concerns, trust our team! Call us today at (314) 361-9979 or fill out our online contact form.
The New 5 Second Rule?!
Have you heard about the new 5 second rule?! Want to win a Visa gift card? Watch this video from The Sean Z Team at USA Mortgage for details.
Rates and Bonds Update 6-16-16
MBS and the Treasury are in interesting times, see the attached graphs. MBS are approaching their best levels in the last 2 years and Treasuries are approaching their best levels in many decades. It is very interesting because there is usually a sharp reversal every time these levels are approached and a move higher, so you should jump on the refi opportunities. This could be the time they are pierced and moved lower though, not betting on it, just saying could be. The BrExit is the wild card here. Either way there a lot of people to help now and many who purchased recently who are in a position to take advantage of these rates too!
Aloe and The Great Outdoors
Gordon and Derek with The Sean Z Team at USA Mortgage have awesome weekend events, the tip of the week and more to share with you. Watch the video for details.
St. Louis Home Refinance – Reasons to Refinance Your Home Loan
The Sean Z Team is on your side to walk you through the St. Louis home refinance process from beginning to end!
Are you thinking about refinancing your home loan? Are you trying to decide if refinancing your home now is the best financial path for you and your family? Our team will work with you to determine what your goals are and help you meet all of your needs.
3 Reasons to Refinance Your Home Loan
There are basically 3 reasons why you should refinance your home loan:
- You want a lower interest rate: Because interest rates are continuing to dance around all-time lows, it doesn’t make sense to borrow money at a rate that is more expensive.
- Get rid of one of your mortgages: If you have two mortgages on your home – now is a good time to refinance your home equity line of credit and consolidate the loans so that you’ll only have one payment.
- Get a fixed-rate loan: You can get rid of your adjustable-rate mortgage and ensure the safer option of having a fixed-rate. It is a good choice when the interest rates are low.
If your monthly mortgage payment is leaving your wallet a little low every month, refinancing can definitely be helpful. Refinancing your home loan isn’t a complicated process when you enlist the help of Sean Z and his team of St. Louis mortgage experts.
When is a Good Time to Refinance?
When the value of your home rises or the interest rates drop is the ideal time to refinance your mortgage. You may also consider refinancing if the value of your house has made a significant increase.
When done right, refinancing your mortgage can lower your monthly payments, reduce the total amount owed to the bank or make good use of the equity you have built into your home. Sean Z will discuss all of your refinancing options and help you determine what is the right choice for you.
St. Louis Mortgage Experts
We study current interest trends daily so that we are always up-to-date not just with what’s happening now, but with what may be happening 6 months from now. Our goal is to get you locked into the best mortgage rate available for the loan that is right for your needs.
For all of your refinancing questions and concerns, trust our team! Call us today at (314) 361-9979 or fill out our online contact form.
Our New Team Member is Giving Away Cardinal Tickets
Meet the newest member of The Sean Z Team! Watch the video to see who our game ticket winner is, weekend events and more.
