THERE'S NO SUCH THING AS A DUMB QUESTION.

There are some things everyone wants to know about home-buying or refinancing as quickly as possible. Here are answers to some of the questions most commonly asked of Hughes Mortgage.

What’s your rate?
Lots of mortgage brokers like to attract customers by advertising unrealistically low rates. When you actually talk financing with them, these rates often disappear suddenly in a complicated "bait-and-switch." The truth is that rates change daily. Once we've had a chance to examine your needs specifically we can give you honest, quality information and we'll always find you the most competitive rate to fit your needs.

How quickly can you close?
It varies. The real truth is, it depends on how fast you submit the necessary information. Hughes Mortgage is by your side through the entire process and we make sure you reach your goal as quickly as possible with the most competitive rates available.

How does bankruptcy, over-extended credit or other mistakes in my past affect my rating?
Hughes Mortgage is experienced and skilled in working with home buyers with unique and often difficult credit situations. Of course your credit history can affect your rating, but we have access to numerous loan programs to suit most any situation.

How much do I qualify for?
This depends on your income and debt. Whether you have a pristine credit history or have been through a rough patch, Hughes Mortgage can work with you to make your dream house a reality and to get you the most competitive rate possible to fit your very particular situation.

What are your fees?
Fees can vary widely depending on your personal home buying situation. Sometimes the buyer pays the fees while other times they will be covered by the seller. The estimates that we give you are usually within a few dollars of the actual costs. This way you can plan accordingly and you can be sure there will be no hidden fees or nasty surprises at the closing.

Can I refinance my home with you?
Absolutely. By refinancing you can consolidate your monthly debts. You can even eliminate those 18% plus credit card finance charges while taking a tax deduction for the interest you pay on your refinanced mortgage! With today's low interest rates, the time couldn't be better for refinancing.

Do you have a question we can answer?
info@hughesmortgage.com