William Morales

Loan Originator / Partner

NMLS# 1010911

William Morales Loan Originator / Partner

What is Cash to Close?

As you get into the mortgage application process, you may hear your lender use the term “cash to close.” What’s the difference between this phrase and closing costs? What does “Cash to Close” mean? Al Mar 28, 2023

5 Questions about FHA Loans

If you are ready to buy a home, you have probably wondered what type of loan you should choose. FHA loans, sponsored by the Federal Housing Administration are excellent mortgages that offer low down p Mar 23, 2023

What is a Loan Estimate?

During the mortgage application process, you will receive a very important document called the Loan Estimate (LE). This three-page form will provide you with detailed information about your proposed m Mar 21, 2023

Adjustable-Rate Mortgages – The Most Frequently Asked Questions

In today’s real estate market with rising interest rates and high home prices, potential homebuyers are looking in every direction for ways to make home ownership more affordable. One option might be Mar 16, 2023

What Fees are Included in Mortgage Closing Costs?

When you buy a home or refinance your mortgage, you should expect to pay closing costs. What are these fees and what is it you are paying for? Closing Costs Defined Closing costs are charges for basic Mar 14, 2023

Can I Use a Home Equity Loan to Buy a Vacation Home?

If you’ve been dreaming about buying that property at your favorite vacation spot but not sure how you’d ever save up for it, there may be an option you haven’t considered: using the equity from your Mar 09, 2023