Hello! I'm your dedicated home loan professional, April Phifer. Whether you're ready to refinance, renovate or buy a new home, I'm here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals.
Starting my career in 1994, I have dedicated my profession to not only being an expert in the business but also delivering exceptional, around the clock service to my customers. Over the last 2 decades, my business has been built and sustained by continued referrals, repeat customers, and realtor relationships who continue to recommend me as their trusted originator. My proficiency in the industry was learned from the ground level. Starting as a front office receptionist with a large, regionally recognized lender, Senior Mortgage Loan Originator, working my way up to Branch Manager, I am now recognized as one of the top lenders in the Amarillo market.
I realize the mortgage process, and what could be your largest financial investment you ever make, can sometimes seem like a stressful task. At Verity Mortgage, myself and my dedicated team are committed to working closely with you every step of the way, answering all questions, educating you, and communicating effectively to ensure a smooth, stress-free experience. Call me today so we can work together to achieve whatever real estate goals you have.
We appreciate your business and look forward to guiding you through the loan process. Thank you and lets get started!
Based on the home's sale price, the term of the loan, the buyer's down payment percentage, and the loan's interest rate, this calculator can help estimate what you'll need to pay out monthly for your new home. This calculator factors in PMI (Private Mortgage Insurance) for loans with less than a 20% down payment, as well as town property taxes and their effect on the total monthly mortgage payment.
Buying a home is a big step! Whether buying your first home, dream home, or tenth investment property, yours will be a big investment. We know how important this is to you and have an army of experts to ensure we find the perfect property for your unique circumstances. Finding the perfect property is just one way we can help you with your real estate purchase.
To determine the amount of home you can afford, a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include monthly housing costs, car payments, credit cards, student loans, and other installment debt. If you take on more debt before buying a home, it will impact the loan amount the lender will finance.
April Phifer
Direct 806-340-5662
april@veritymortgage.com
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