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Loan Application
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Mortgage Programs
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

The One Thing That Changes How You Approach Success in Real Estate and Beyond
The Counterintuitive Truth About How Success Actually Happens
Most people approach success the same way. More leads. More tasks. More effort. More activity across more areas simultaneously. The assumption is that doing more produces more and that the path to better results runs through a longer to-do list and a fuller calendar.
But that assumption is wrong. And understanding why it is wrong is the first step toward a fundamentally different and more effective approach to building the results you actually want.
What The One Thing Gets Right
Gary Keller's book The One Thing offers a framework for success that runs directly counter to the hustle-more mentality that defines how most professionals operate. The core insight is that success is not simultaneous. It is sequential. It happens one step at a time in a specific order and the attempt to pursue everything at once is precisely what prevents most people from making meaningful progress on anything.
Keller uses the image of a row of dominoes to illustrate how sequential success actually works. You do not knock all the dominoes down at once. You identify the first one, focus your full attention on it, tip it over, and let the momentum carry to the next. Each domino that falls makes the next one easier. Momentum builds not through scattered effort across many things but through concentrated effort on the right thing at the right time.
As Dave Weston of the Dave Weston Group at Hallmark Home Mortgage explains this principle resonates in the context of real estate and mortgage work because the temptation to pursue every opportunity, every lead, every initiative simultaneously is constant. And the professionals who give in to that temptation often find themselves extremely busy but not particularly productive.
Where Most People Get Stuck
The pattern that Keller identifies and that shows up consistently among professionals who feel like they are working hard without moving forward is this. Too many priorities pursued simultaneously. A lot of starts and very few finishes. Energy distributed so broadly across so many things that no single thing ever receives the concentrated attention it actually requires to produce a meaningful result.
The feeling of being busy becomes a substitute for the experience of making real progress. And because busyness feels like effort it is easy to confuse it with productivity. The calendar is full. The task list is long. The day is exhausting. But at the end of it the needle has not moved in any direction that matters.
The reason is not lack of effort. It is lack of focus on the right sequence of actions.
The Question That Changes Everything
The mantra at the heart of The One Thing is deceptively simple. What is the one thing I can do such that by doing it everything else will be easier or unnecessary?
That question reframes the entire approach to planning and prioritization. Instead of asking what needs to get done today and distributing effort across the full list it asks which single action creates the most leverage, which one thing if done well makes everything else downstream more manageable or less necessary.
When that question is answered honestly and the answer is acted on with real focus the experience of work changes. Progress becomes visible. Momentum builds in a specific direction rather than dissipating across many directions. And the compounding effect of sequential success starts to produce results that scattered effort never could.
How This Applies to Your Work Right Now
For anyone working in real estate, mortgage, or any client-facing profession the application of this principle is immediate and practical. The question is not what all of the things on your plate are. The question is which one action, if given your full and undivided attention today, would create the most forward movement for your business, your clients, or your goals.
That might be a conversation you have been avoiding. A system you have been meaning to build. A relationship that deserves more intentional investment. A skill that would unlock better results across everything you do if you actually developed it.
Whatever the answer is the discipline of The One Thing is to give that answer your genuine focus rather than splitting attention with everything else that is competing for it.
Start With the One Thing
Dave Weston applies this kind of intentional and sequential thinking to how he serves clients at the Dave Weston Group, Hallmark Home Mortgage. Instead of asking what all of the things to do are the better question is always what is the one thing that moves the right person closer to the right outcome right now.
If you are in the market to buy a home or want to explore what your options look like that one conversation might be exactly the first domino worth tipping over. Reach out to Dave Weston at the Dave Weston Group, Hallmark Home Mortgage to start that conversation.
Sources
TheOneThing.com Forbes.com HarvardBusinessReview.com Entrepreneur.com Inc.com
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