PATRICK KELLY

"Mortgage Lending Done Right"

Rates:

Rates vary for every client based on the overall risk associated with that file.  Here are some of the most influential factors:

Credit Score and Credit Profile

Amount of Down Payment

Employment and Income

Assets and Savings Pattern

Type of Property (Single Family vs Multi-Family)

THINGS TO CONSIDER:

* Complete and Accurate Good Faith Estimate provided in writing.

* Free Pre-Approvals and Pre-qualifications

* No surprises at the closing.

REDUCED FEES: 

All estimated fees will be clearly disclosed on the Good Faith Estimate.

REALTORS:

For Pre-Approvals and Pre-Qualifications, contact Patrick on his cell at 201-657-3717.