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AND WHY IS IT SO IMPORTANT TO YOU?

It is important to you because mortgages are quite a bit different than in your grandparents and parents day. You no longer have the halcyon days as depicted in the movie It’s a Wonderful Life. Just like everything else, you have choices, and mortgages are no different.

The mortgages of today are not plain vanilla. They are not just 20% down with a 30 year pay off. They are complex, and as such require fairly extensive analysis. For example, should you pay points up front to reduce the amount of interest that you will pay over the life of the mortgage? Each point represents 1% of the loan amount; therefore, on a $200,000.00 loan 1 point equals $2000.00; 2 points equals $4000 and so on. Is an ARM (adjustable rate mortgage) better than a fixed rate mortgage? How long will you be in your home? Are there penalties for paying off your mortgage before its completion date, and how much is that going to be? Another question may be, “What is the present value of money vs. what that money will be worth in the future?” But, the big overriding question is how much house can I afford, and how much debt service can I handle on my income?

Careful evaluation of all the different scenarios is absolutely essential – remember fulfilling your dream of buying a home may represent the biggest purchase of your life.

Obviously, mistakes made today tend to compound over the 30 year life of a regular mortgage, and could cost you thousands of dollars. Poor choices can turn your dream into a nightmare. Conversely, wise mortgage decisions could save you thousands, and those savings may help you and your family realize a more financially secure life.

This is why selecting the right mortgage broker is so very important. This is what MADISON BANCORP does and does very well. We help you to develop a strategy to navigate these complex issues. We bring your dreams to reality, and have been doing it for nearly a generation. We bring back those halcyon days and help you master the turbulent waters of home financing.

At Madison Bancorp our job is to assist our clients with getting the best mortgage financing available.

As a wholesale mortgage broker, we work on your behalf by researching across a wide portfolio of lenders to identify and deliver the mortgage plan that best suits your current and long-term financial needs.

We specialize in mortgage financing for the purchase or refinance of a primary residences, second homes, or investment property throughout the state of Pennsylvania.

Our seasoned mortgage professionals will guide you through the entire mortgage financing process, from start to finish. Where we can we’ll work with you in-person. And regardless of where you are…we’ll always deliver what we promise.

We invite you to contact us to discuss your home financing needs. No hype. No pressure. Just a chance for us to earn your business and help you achieve your goals.


For a FREE refinance evaluation or purchase
pre-qualification, Call us today at 215-491-1900