Welcome to the Home Ownership Information Center, one of the most comprehensive mortgage information sites on the internet!  For over 18 years we have concentrated on one thing, your largest debt…. your mortgage!

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Most people realize that the interest rate on their loan directly impacts the cost of their mortgage and therefore their home.  However, many people are unaware of the other all-important variables that also impact the long term overall cost of owning their home. 

      Factors such as your credit score, points, PMI, second mortgages, pre-

   payments, and other consumer debt can actually end up costing you far more

   than the perceived savings of a low interest rate. These variables can often
   increase the cost of your home by tens of thousands of dollars over the life
   of your mortgage!!

      In addition to getting you the best mortgage, it is important for me to incorporate your personal goals and objectives.  When planning for my clients, I incorporate your goals for paying off debts, funding college, and planning for retirement as part of a “Total Financial Analysis.”