Selecting the best mortgage plan requires a comprehensive understanding of your financial profile and future goals. Tayler Fick at Lower LLC takes a personalized approach to ensure you choose a plan that meets your specific needs. Here’s how Tayler can guide you through this process:

1. Financial Analysis: Tayler will review your income, middle credit score, debt-to-income ratio, and savings. This analysis helps determine your borrowing capacity and eligibility for different loan programs.
2. Loan Product Options: Tayler offers various loan products, including:
   • Conventional Loans: Ideal for borrowers with good credit and stable income.
   • FHA Loans: Great for first-time homebuyers or those with lower credit scores.
   • VA Loans: Exclusively for veterans and active-duty military, offering benefits like no down payment.
   • Jumbo Loans: Designed for higher-value homes exceeding conventional loan limits.
3. Interest Rate Comparison: Depending on your goals, Tayler will help you decide between a fixed-rate mortgage for predictable monthly payments or an adjustable-rate mortgage (ARM) with lower initial rates and flexibility for short-term ownership.
4. Long-Term Goals Assessment: Are you planning to stay in your home for decades or move within a few years? Tayler will align your mortgage choice with your short-term and long-term financial goals to ensure stability and growth.

📞 Get started with a personalized mortgage plan today by contacting Tayler Fick at (563) 370-9316.

Your middle credit score is one of the most important factors when securing favorable mortgage rates. Tayler Fick at Lower LLC recommends these actionable steps to help boost your middle credit score and improve your chances of approval:

1. Review and Correct Errors: Obtain a copy of your credit report from Equifax, Experian, and TransUnion. Look for inaccuracies like incorrect balances, duplicate accounts, or outdated information. Correcting these errors can lead to a quick boost in your score.
2. Utilize Middle Credit Score®: This resource helps you understand your credit score, identify improvement opportunities, and provides strategies to increase your score. Using tools like this can give you an edge in the mortgage application process.
3. Reduce Credit Utilization: Keep your credit card balances below 30% of your total credit limit. Paying down high-interest debts first can significantly improve your credit utilization ratio.
4. Avoid New Credit Inquiries: Hold off on opening new credit accounts for at least 6 months before applying for a mortgage. Each new inquiry can slightly reduce your score and impact your debt-to-income ratio.
5. Make On-Time Payments: Set up automatic payments or reminders to ensure you never miss a due date. Payment history is a major factor in your middle credit score.

📞 For personalized advice on boosting your middle credit score, contact Tayler Fick at (563) 370-9316.

Absolutely! Whether you’re looking to refinance your mortgage or purchase a new home, Tayler Fick at Lower LLC provides the expertise you need to navigate these processes smoothly. Here’s how Tayler can assist you:

For Home Purchases:

1. Pre-Qualification and Pre-Approval: Tayler will guide you through getting pre-qualified or pre-approved, giving you a clear idea of your budget and strengthening your offers in a competitive market.
2. Loan Product Selection: Choose from a range of mortgage options, such as FHA, VA, conventional, or jumbo loans. Tayler will explain the pros and cons of each based on your financial situation.
3. Closing Support: From application to closing day, Tayler ensures a stress-free homebuying process by keeping you informed and handling any issues that arise.

For Refinancing:

1. Lower Monthly Payments: Tayler can help you secure a lower interest rate to reduce your monthly mortgage payments.
2. Cash-Out Refinancing: Access the equity in your home to fund major expenses like home renovations, education, or debt consolidation.
3. Shorten Loan Term: Refinancing to a shorter-term loan (e.g., 15 years) can save you thousands in interest over time.

📞 Contact Tayler Fick at (563) 370-9316 to explore refinancing or home purchase options today!

Starting your mortgage application with Tayler Fick at Lower LLC is easier when you have the necessary documents ready. Here’s a checklist to help you prepare:

1. Proof of Income:
   • W-2 Forms from the last two years to verify employment history.
   • Recent pay stubs (covering at least 30 days) to confirm current earnings.
   • For self-employed borrowers, federal tax returns for the past two years.
2. Proof of Identity:
   • A valid government-issued ID (driver’s license or passport).
   • Your Social Security number for credit verification.
3. Credit History:
   • Tayler will pull your credit report to assess your eligibility.
   • Debt information (credit cards, loans) to calculate your debt-to-income ratio.
4. Proof of Assets:
   • Bank statements for the last two months to show funds for the down payment and closing costs.
   • Retirement or investment account statements (if applicable).
5. Additional Documentation:
   • For VA loans: Certificate of Eligibility (COE).
   • For FHA loans: Additional proof of eligibility.
   • For USDA loans: Documentation showing the property meets USDA guidelines.

Having these documents organized ensures a smooth and efficient application process with Tayler.

📞 Start your mortgage journey today by contacting Tayler Fick at (563) 370-9316.