Lending with Mike Poyntz

What Documents Do You Need To Provide When Buying a Home?

What Documents Do You Need To Provide When Buying a Home?


Are you ready to buy a home, and wondering what kind of paperwork you will need to provide when you go in to apply for a mortgage? Buying a home can sometimes seem overwhelming due to the many steps involved in the process, however, you can help the transition go more smoothly if you have…

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When To Expect Your Mortgage Payments To Begin


The final stage of buying a new home is closing, and when you have paid for the closing costs and signed all of the necessary paperwork, you can move into your new home. The loan begins and the sale is considered finalized on the date you close, so a borrower can expect mortgage payments to…

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Improve a Home With an FHA 203K Loan


Are you interested in purchasing a home that is in need of repair or have been wanting to make some renovations to your current property? If you need some financial assistance with home renovations, you may want to consider applying for an FHA 203K loan. If you are interested in buying a home that is…

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Buying a Home With a Conventional Loan


Have you decided that you are ready to become a homeowner, and are trying to determine what type of mortgage will best suit your situation? Conventional loans can be an excellent financing option that offer great rates and terms and are completely backed by private lenders. If you are interested in buying a home in…

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How Does Your Credit Score Affect Mortgage Rates?


When you are purchasing a home, the interest rate of your mortgage will impact the overall amount that you will have to pay for your property throughout the duration of your loan. A borrower’s credit score directly affects mortgage rate pricing, and the higher your credit score is, the better interest rates you will be…

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Purchasing a More Expensive Home With a Jumbo Loan


Are you interested in buying a luxury home that is in a higher price range? Housing prices have increased steadily around the United States since the pandemic, and perhaps you may need to use a jumbo loan to help purchase your ideal home. A jumbo loan is designed to finance a property that is considered too…

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Buying a Home Using a Fixed Rate Mortgage


When you buy a home, the type of interest rate that you select will determine how much you will ultimately spend on the property and is an important factor to consider when you are determining what kind of financing option you will obtain. One popular type of interest rate is a fixed rate mortgage, which…

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Becoming a Homeowner With an Adjustable Rate Mortgage


When you begin to take the steps to buy a home, there are a number of factors to consider, and two significant things to decide on are the type of home loan you will use to finance the purchase and the type of interest rate you will pay. Selecting an appropriate interest rate that best…

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Finalizing the Purchase of Your Home: Paying Closing Costs

New Home Running

Whether you are purchasing a new home or refinancing a current mortgage, you will need to pay for closing costs in order to obtain a loan and finalize the purchase. This is the final step to owning your own home, and basically accounts for any fees associated with the home loan excluding the price of…

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NMLS #1246224

Equal Housing Lender


Central Coast Lending With Mike
1319 Marsh St
San Luis Obispo, CA 93401