By: Sophia Anderson
According to the US Census Bureau, 65% of Americans own their own homes. More than a third of the American population prefers to rent houses and apartments. This trend is driven by the annual rise in real estate prices and stringent lending conditions.
However, according to high-rating mortgage broker Maryna Bochkarova, the owner of the MBRate agency licensed in California, Colorado, Illonois, Florida, Nevada, Tennessee, Texas, and Virginia, these reasons shouldn’t intimidate or deter people from their desire to own property.
“Today in the US, there are several mortgage programs that entirely cater to the needs of any demographic in America. The key is not to delve into them independently but to choose a good mortgage broker who will understand your financial situation and find the most advantageous offer for you,” says Maryna Bochkarova.
How to choose a mortgage broker
For someone distant from the real estate and banking sectors, understanding housing program terms independently can be very challenging. This is where a mortgage broker like Maryna Bochkarova comes to the rescue, enabling over 10,000 Americans annually to fulfill their dream of owning a home. When asked what qualities a successful mortgage broker should possess, she answers:
“The primary advantage of a good broker is their specific knowledge and skills in dealing with lenders. Having open partnerships between the mortgage broker and financial institutions is encouraged. As the mortgage broker guides the client through every stage of mortgage processing, from selecting a financing program to assisting with underwriting and until the signing of the mortgage contract, having a well-drafted agreement with them initially is crucial.”
According to her, a good mortgage broker is always up to date with all governmental mortgage programs and has an extensive understanding of private individual financing, including home purchases, refinancing, and construction loans.
“Often, a person wants to buy property in an area that might not entirely fit their financial capabilities. In such cases, the mortgage broker can and should inform them about other loan programs, coming not from the “FED,” selecting and proposing the most beneficial and presenting the client with all-around positive perspectives of such choices”, says mortgage credit expert Maryna Bochkarova.
As an example, the qualified specialist cites the growing real estate market in Texas.
“Today, it is the most promising direction. This is explained by a combination of factors, including the influx of IT companies, which have created a strong job market and extensive real estate construction to accommodate the growing population in the state. Specifically designed for such prosperous development are mortgage programs for self-employed individuals, construction loans, and many good offers from the Texas Department of Housing and Community Affairs (TDHCA)”, says the MBRate agency leader, Maryna Bochkarova.
Why Americans choose MBRate Mortgage
The company owned by the high-rated mortgage broker Maryna Bochkarova offers consultations in choosing financing programs for purchasing their own homes, acquiring property as an investment, and refinancing existing loans.
One of Maryna Bochkarova’s main principles is customer orientation. Her agency’s specialists take into account all the peculiarities of the potential buyer, from income levels to lifestyle, to select the advantageous, convenient, and secure housing credit program.
Maryna Bochkarova, alongside her team, personally helps clients thoroughly understand each condition of the proposed programs to settle on the option that satisfies the client in every aspect.
“For me, client satisfaction is of paramount importance. I work diligently to provide my clients with real estate financing solutions tailored to their unique financial situation and lifestyle preferences,” says mortgage broker Maryna Bochkarova.
Among the offerings from MBRate are loans with different down payment sizes, financing for elderly individuals, assistance in buying housing for veterans and other population categories. And if today you think your financial situation doesn’t match your desire to own a home, call MBRate. Maryna Bochkarova will find a solution, and with her support, tomorrow you could become the owner of your own home.
Published By: Aize Perez
