|
|
|
|
 |
Scott Senner is a Mortgage Consultant with First Commercial Bank located in Edmond and Oklahoma City. Scott has been in the real estate and mortgage business since 1989. He has been happily married to Deborah McAuliffe Senner since 1996. They have been blessed with two children, Brevin, 12, and Sterling, 9. (View family photo) |
CHOICES?
What does that actually mean in relation to your mortgage?
When you work with me on your loan, it means that YOU choose the interest rate on your loan. There are many different ways to finance a home, and you will be presented a range of interest rate and term options that will fit your specific needs.
Have some questions about the mortgage process? I have recorded a few short videos that cover some common issues when buying or refinancing a home:
I am buying a home. How much should I expect to pay in closing costs and can I ask the seller to pay any of it? Click here
Can an unmarried couple buy a home together? Click here
What do I need to have ready before I meet with a Realtor?
I heard on the news that I need 20% down to buy a home? Is that true? I thought FHA and VA financing offered lower downpayments? Click here
I am refinancing a home. How much are the closing costs, and can I finance them into the loan? Click here
I am thinking about a refinance, but have always heard that I should not do it unless the rate drops 2%. Is that actually true? When does a refinance make sense? Click here
I am buying a home and my realtor told me I need a "pre-approval" letter. What is that, how do I get one, how long is it good for, and how much does it cost? Click here
Why should I do business with Scott Senner? Click here
I need a "jumbo" loan but have heard that they are not available. Is that true? Click here
What is an "interest rate lock"? How long does it last? Click here
What is "bond money" and is there any available? Click here
I do not have very much money for a downpayment or closing costs. Are there any programs that are available with no money down? Click here
I am a little concerned about my credit. What is the minimum credit score required in order to qualify for a home loan? Click here
I am divorced and my ex-spouse ruined my credit by not paying bills on time. What options do I have?
I have some old medical bills and/or some outstanding collections. Do I have to pay those and, if so, should I pay them before calling a lender? Click here
I had a bankruptcy a few years ago. I have always heard that a bankruptcy stays on your credit report for ten years. Do I really need to wait that long to buy a home? Click here
I want a great deal on a home and am looking at HUD and bank owned foreclosures. Is financing available for those types of homes and what are the risks? Click here
I have great credit. Am I going to get a better deal than someone with average or below average credit? Click here
What is "PMI"? I have heard that if I do not have 20% down, I will need to pay "PMI". Click here
What are "points" and should I buy them? Click here
Is an adjustable rate mortgage a good deal or a rip-off? Click here
Why should I do business with Scott Senner? Click here
Scott Senner
405-330-9659 Office
405-210-5110 Cell
|
|
|
|
