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Common Sense Financial, LLC is a full service residential mortgage lender which means we can meet most mortgage needs you may have. Whether you are purchasing a new home, refinancing existing property, consolidating debt, establishing a line of credit, or investigating construction lending, we can help you. Additionally, we can also play an integral part in equity repositioning. Ask us how this may be a great option for your individual needs.
Choose from the options below for more information:
Purchase
When you find the house of your dreams you dont want anything to stand in your way of making it your home. Our job is to make sure that every step of the way is taken care of in a manner that best suits your personal situation. We work with you to identify the best loan product for your individual needs. And well be with you every step of the way from application to closing.
Refinance
There are as many reasons to refinance as there are lending products to choose from. Refinancing can be a great way to gain access to money you need. Or perhaps you want to take advantage of a different, more dynamic loan product. Whatever your particular situation, refinancing your existing mortgage can provide tremendous benefits.
Debt Consolidation
No matter what type of debt you have, consolidation can be a great way to lower your overall monthly payments and set you on the road to financial freedom. With all of your debts combined into one convenient payment, you won't have to worry about paying multiple bills each month. Even better, you'll be able to free up the cash you need to do more things now rather than later.
Equity Repositioning
Equity repositioning is a process of reviewing the full extent of your financial situation including all assets and liabilities, the projected future value of your portfolio and analysis of how to reposition your assets and liabilities to enhance your financial position.
For many of us, our homes are the most valuable and largest asset we have. By tapping into the equity that has accumulated in your home, a whole new world of opportunity is unfolded. Working with you, our mortgage planners will help you identify the best option for your individual needs.
Home Equity Line of Credit
Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And there are a variety of ways to initiate a home equity line. One of the benefits of a home equity line of credit is that it allows you access to the equity in your home cash when you need it. You only pay on the outstanding balance of the loan. Talk to your mortgage planner to find out if this option works for you.
Construction Lending
If you are building a home there is a lot to be considered and completed. A construction lending loan allows you to purchase your lot, finance the construction of your home and convert it all to a permanent mortgage with one simple closing. Options can encompass no payments for up to 18 months before closing while you build. You have so much going on with new construction. Dont let the financing be one of your challenges.
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