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Unlock the door to your dream home with tailored mortgage advice from GB Sowards. Explore our expert insights and take the first step towards a brighter financial future.
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Your Guide to Buying a Vacation Home Without Breaking the Bank
Owning a vacation home is a wonderful way to create a personal getaway — a home away from home where you can relax, recharge, and make lasting memories. If you’re thinking about purchasing a vacation property, here’s what you need to know to turn that dream into...
The Smart Way to Secure Your Mortgage: Broker vs. Bank
You never have to worry about finding a better mortgage on the market — because you will have it. Choosing the right mortgage is one of the most important financial decisions you will make, with significant impact on your long-term savings and financial wellbeing....
Common Mortgage Questions
Explore answers to the most common questions about mortgages to help you make informed decisions.
What is a mortgage and how does it work?
A mortgage is a loan used to purchase a home, where the property serves as collateral. You repay the loan over a set period, typically 15 to 30 years, with interest.
How do I qualify for a mortgage?
Qualification depends on factors like credit score, income, debt-to-income ratio, and employment history. Lenders assess these to determine your eligibility and loan terms.
What is the difference between fixed-rate and adjustable-rate mortgages?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has a rate that may change periodically based on market conditions.
What are closing costs and how much should I expect to pay?
Closing costs are fees associated with finalizing a mortgage, including appraisal, title insurance, and attorney fees. They typically range from 2% to 5% of the loan amount.
What Our Clients Say
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First-Time Home Buyer
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Homeowner
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New Homeowner
“I highly recommend GB Sowards for their dedication and knowledge. They truly care about their clients’ success.”
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Real Estate Investor
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