Short clip to introduce myself, a few local clients, and passion for mortgages.

Outside of potential closing costs, budgeting the proper down payment is equally important 💸 In this short video, I explain four of the main mortgage types originated, their minimum down payments- and touch on a popular myth and why it has proven to not be the best advice for many homeowners. Https://mtm.info 00:00 Title 00:10 Introduction 00:38 Conventional Loan 01:04 FHA Loan 01:41 VA Loan 02:15 USDA Loan 02:50 Determining Type 03:07 The Down Payment Myth 03:51 End

Navigating Credit Scores, especially when relating to mortgages, can be tough. This video explains the ins and outs of credit reporting, what affects your score the most, and also why your mortgage credit score, might be different than what you see when you look it up yourself. Https://mtm.info 00:00 Title 00:10 Introduction 00:34 Payment History 00:55 Credit Utilization 01:17 Age of Credit 01:35 Account Mix 01:53 Credit Inquiries 02:17 Credit Score Needed 02:47 Credit Resources 03:11 Consumer -vs- Mortgage Score 03:42 Credit Worthiness 03:55 Conclusion

Most first time home buyers believe that a good credit score and down payment are the primary factors in qualifying for a mortgage loan. This is actually not true at all. Determining a clients ability to repay a mortgage is the cornerstone of mortgage loan approval and it all starts with calculating the debt to income ratio. Https://mtm.info 00:00 Title 00:10 Introduction 00:25 Adding Liabilities 00:37 Dividing by Gross Income 00:55 Conclusion/End

The closing costs to a mortgage are complicated. The lender, at start, is estimating in good faith what many third party companies are charging, making it confusing for the borrower to know how much they are going to need at the closing table. This video will at least give you a good grasp on closing costs and what to expect. More details: https://www.mtaylormortgage.com/post/breaking-down-the-costs-of-a-mortgage Https://mtm.info 00:00 Title 00:10 Introduction 00:58 Origination/Lender Fees 01:04 Vendor / Gov't Loan Fees 02:20 Title/Attorney - 3rd Party Services 03:21 Gov't Taxes/Fees 03:43 Prepaids 04:41 Escrow Reserves 05:08 Other Costs 05:35 Conclusion / Covering Costs 06:01 End

Determining your potential house payment shouldn't be 🚀 science and there's a lot of misleading information out there. In this short video, I explain how you can estimate a potential mortgage payment, empowering you to make smarter financial decisions without surprises. Https://mtm.info 00:00 Title 00:10 Introduction 00:37 Payment -VS- Liability 01:01 Principal and Interest 01:20 Property Taxes 01:42 Home Owner's Insurance 02:02 PMI (Mortgage Insurance) 02:24 End

Introduction to Mark Taylor and in person testimonials