I Want to Buy a Home

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Mortgage Calculators

  • How Much Will My Payments Be Calculator? Icon

    Monthly Payment

    This calculator computes the payments of principal and interest based upon a home price, down payment and other factors.

  • Refinance Calculator Icon

    Refinance

    Compare different mortgage terms and calculate your refinance savings.

  • Affordability Calculator Icon

    Affordability

    This calculator computes the finance amount, based upon income, expenses, credit rating and other factors to determine how much home can I afford.

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WHAT PEOPLE ARE SAYING
Reviews
5.00
4 Reviews
Daniel was great, super professional and very helpful. Really went the extra mile to help us out. Highly recommend!
Ryan K
on Dec-04-2024
If you’re looking for a Professional Mortgage Broker then you found her, Amy is pure and simply the best thing to have happen to you. We were thoroughly attended too during our entire loan process. We highly recommend Amy to assist you in your loan processing adventure!
Digital Dragon
on Dec-04-2024
Michele F is amazing. No matter what your situation is she can help you every step of the way. Highly recommend Michele and Victoria Z
Body-N-Sol Trends
on Dec-04-2024
EXCELLENT people to do business with on purchases, refinancing, and investment properties. This company cares about their clients and has their best Interests in mind. If you have any questions or concerns call them or go to their website and leave your questions someone will contact you.
Derrick Makins
on Dec-04-2024

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

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No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

About Us


Our Story

For more than ten years, Legacy MLC has provided industry-leading mortgage services and helped countless homebuyers and homeowners find financing solutions to meet their needs. Our reputation is based on building and maintaining relationships that last long after you get the keys to your home.