MHQ - Mortgage HeadQuarters

  When starting the home buying process, there are a few things you need to consider before you just start scheduling showings of properties. For starters, do you even know how much home you can afford? Do you know what price range you should be shopping in?  Getting pre-qualified for a mortgage loan  can help you in more ways than one. Not only does it give you a better idea of what you can actually afford, but it gives you negotiating power when putting in offers! Take a look at how we can help you with your pre-qualification.   We Can Help You Pre-Qualify We will help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. We will do this by analyzing your income and debts, your work and residence situations, the funds available for down payment, required reserves, and other considerations. During the process, we calculate your ability to borrow - looking at your earning status, availab...

Fall has made it, which means now is a great time to start preparing your home for the chilly days. It is important to protect your investment in your home and hopefully lower your utility bills!  Another important factor to consider is refinancing your home to save you money. When you  refinance your home at the Lake of the Ozarks,  you could be able to reduce the interest rate and monthly payment amount, sometimes by a lot. You may also be able to "cash out" some of your equity, which you are able use to take care of higher interest debt, make home improvements, or take a vacation. You might be able to refinance to a shorter-term mortgage loan, enabling you to add to your equity quicker. With that said, read on to prepare your home for the upcoming cold season! Tune Up Your Heating System  An HVAC technician can be hired to come over to your home and inspect your heating systems. This is worth it to avoid unnecessary breakdowns on the coldest day of the year. ...

  The home loan process can seem overwhelming if it's your first time and you're hearing everything second-hand, maybe from someone who had a bad experience with a mortgage lender. Here at our  mortgage company at the Lake of the Ozarks , we want everything to be seamless, easy, and stress-free for you. Therefore, we give you the information you need upfront so that there's no confusion. Keep reading this week's blog for a list of information that you will need to present for your application. We keep all your sensitive information private, whether it's given to us directly in person or over our website. If you end up having any questions about what you're about to read, please give us a call at  MHQ - Mortgage Headquarters . What information will be needed for the application (and how it's kept private) Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you...

If you love the chill lake lifestyle, Lake of The Ozarks is for you! There are SO many ways to relax here! This place is THE place to be when you just need to get away from the stresses that can sometimes come with living in a bigger city. If you'd like to buy a vacation home here, please meet with one of our experienced  mortgage lenders at Lake of the Ozarks . Our local lenders can show you your best mortgage options and guide you in the right direction for a home loan for your vacation home! In the meantime, keep reading this week's blog for a few ways to relax at the Lake of the Ozarks.  Photo Credit: Fun Lake MO 3 Ways to RELAX at the Lake of the Ozarks Boating  This has been voted the #1 Recreational Lake in the Nation (USA Today). This happened for good reason. From sun bathing on your boat in a nice quiet cove to having lunch out on the water while enjoying some sun on your boat - the sky is the limit when it comes to relaxing on this lake. Fishing The fishing can...

For today's home buyers,  getting approved for a mortgage  can be a slippery slope. When purchasing a home at the Lake of the Ozarks, many questions can arise about what you should and shouldn't do during the loan approval process.  MHQ - Mortgage Headquarters  has more than 20 years' experience in the mortgage industry, so we know what mistakes buyers should avoid making. To help you better prepare to make it successfully through the loan approval process, we're sharing with you 10 Things You SHOULDN'T Do During the Home Buying Process! 1. Don't Change Jobs, Become Self-Employed, or Quit Your Job. It's your responsibility to make sure you have a steady paycheck to go with your steady mortgage payment, and lenders WILL check your employment and income! If they can't verify that you have a steady income that is sufficient enough to cover a monthly mortgage payment, your chances of getting a loan approval are slim. 2. Don't Buy a Vehicle (or you ...

Congratulations on choosing to   buy a vacation home at the Lake of the Ozarks ! Prepare to make MANY fun memories on this gorgeous lake. If this is your first time buying a second home, don't fear the unknown. Our   mortgage lenders at the Lake of the Ozarks   are here to help you every step of the way. On that note, keep reading this week's blog for a few helpful pieces of information when it comes to buying a second home. Need help with this important process? Call   MHQ-Mortgage Headquarters   today. We can be reached at (573) 302-9990. Photo Credit: Fun Lake MO Your Guide To Buying A Vacation Home at the Lake CONSIDER AN EQUITY LINE OF CREDIT! A home equity line of credit (HELOC) is an open line of credit tied to an equity-based maximum loan amount. You may use the account for a set period of time (5, 10 or even 20 years) as long as there are funds. Once your predetermined time period is up, you will be required to pay off the loan, making monthly payments ...

Lake Bikefest starts next week! Did you all know that? Our mortgage company at the Lake of the Ozarks sure did! This is one of the best and biggest events for the local community. It is such a joy to see businesses all across the Lake area come together to make events like this such a success. On that note, keep reading this week's blog to learn details about Lake Bikefest 2021. If you'd like to own a vacation home at the Lake so you don't miss out on fun events like this each, contact our experienced mortgage lenders at the Lake of the Ozarks today. MHQ - Mortgage Headquarters can be reached at  (573) 302-9990. Photo Credit: Fun Lake MO Lake Bikefest 2021 Starts Next Week! Event Details from www.LakeBikefest.com Event Date: September 15 - 19, 2021 Event Location: All across the Lake of the Ozarks Event Details:  Lake of the Ozarks has the ULTIMATE BikeFest experience! Motorcycle enthusiasts from all over the United States will be rumbling their way to Lake of the Ozar...