Making dreams come
true, one family at a
time, by working hard,
being honest and
practicing the golden
Copyright 2007 Kathy MacKenzie,
All Rights Reserved
It's your life.
your dream.
your home.
I get that.

How may I
help you?
Kathy MacKenzie
Making dreams reality . . . one family at a time
Since 2000
Financing Your Home

There is a type of mortgage to fit just about everyone's needs.  
The most common mortgages are:


Fixed Term Length: 15-year, 30-year, 40-year and even a 50-

ARM (Adjustable Rate Mortgage): 1-year, 3-year, 5-year, 7-

Down Payments:  20% (standard), 10%, 5%, 3%, and even

Payment Types: PI (principal and interest); PITI (principal,
interest, property tax and hazard insurance)

Frequency: Monthly, Bi-weekly

Other things to take into consideration that affect the cost of
the loan include:
  • Interest Rate
  • Discount Points
  • Application Fees
  • Loan Servicing Fees
  • Appraisal Fees
  • Credit Report Fees
  • Warehousing Fees
  • Attorney Fees
  • PMI Fees

Your credit score (FICO), financial situation and the time you
plan on living in the house will determine which mortgage
programs best fit your needs. Talking with a professional Loan
Officer is the best way to determine the best mortgage. Also,
once you've determined which type of mortgage works for you,
it's advised to shop around and negotiate to get the best rates.
Is your credit holding you back from purchasing
a home? Learn how to fix your credit and buy a
home! Everything you need is in this book,

Repair Your Credit, Buy A House!
 I wrote in
response to my client's needs.
CA DRE License: 01875313