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About Morgan Financial

Morgan Financial is a full-service lender with an experienced staff offering expertise in every area of mortgage lending. Morgan Financial has provided Brevard County with the Best Deal on their mortgage since 2002.

What’s the difference between Interest Rate and APR?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: What's the difference between Interest Rate and APR? Interest rate is just the percentage of interest that you pay on your mortgage loan principal amount. APR stands for Annual Percentage Rate, and [...]

By |2022-06-24T17:38:52-04:00June 24th, 2022|Joe Knows Mortgages Minute|0 Comments

Can I roll my closing costs into my VA Loan?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: Can I roll my closing costs into my VA Loan? The answer is: It Depends...  For eligible Veterans looking to purchase a home with their VA benefits, you have the option to [...]

By |2022-06-13T17:35:36-04:00June 13th, 2022|Joe Knows Mortgages Minute|Comments Off on Can I roll my closing costs into my VA Loan?

Can I count my retirement pension towards qualifying for a mortgage?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: Can I count my retirement pension towards qualifying for a mortgage? Yes, your retirement pension can count towards qualifying for a mortgage! Under certain requirements.  Simply being retired doesn't preclude you from [...]

By |2022-05-31T11:53:27-04:00May 31st, 2022|Joe Knows Mortgages Minute|Comments Off on Can I count my retirement pension towards qualifying for a mortgage?

Pre-Approval vs. Secured Approval – Which is stronger?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: What makes Morgan Financial's Secured Approval stronger than a typical pre-approval? A pre-approval (usually conducted by a loan officer), is where a credit report is reviewed and a loan application is submitted [...]

By |2022-05-23T17:37:42-04:00May 23rd, 2022|Joe Knows Mortgages Minute|Comments Off on Pre-Approval vs. Secured Approval – Which is stronger?

Who orders the property survey on my new home?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: When I'm buying a home, who orders the property survey? The responsibility to order and pay for the survey is up to you, the homebuyer. However in many cases, the title company [...]

By |2022-05-16T16:37:48-04:00May 16th, 2022|Joe Knows Mortgages Minute|Comments Off on Who orders the property survey on my new home?

Do I need to put 20% down to buy a home?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: Do I need to put 20% down to buy a home? The quick answer: Nope! There are many options for putting less than 20% down, for example… A Veteran might be eligible [...]

By |2022-05-09T17:28:14-04:00May 9th, 2022|Joe Knows Mortgages Minute|Comments Off on Do I need to put 20% down to buy a home?

What are cash reserves?

Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE.” This week, we answer the question: When it comes to my mortgage, what are cash reserves? Essentially, cash reserves are the money you have leftover in the bank after paying your down-payment and closing costs. Cash reserves are [...]

By |2022-04-27T17:35:11-04:00April 27th, 2022|Joe Knows Mortgages Minute|Comments Off on What are cash reserves?

Video Marketing for Real Estate Testimonial

Thank you Eugene Crockett from RE/MAX Absolute Service Team for this amazing testimonial! And in case you misses the last presentatation, Morgan Financial will  be hosting another: Keeping Your Business on Track! This presentation will be “Video Marketing for Real Estate! We will go over 15 videos every agent should create to get more [...]

By |2019-09-11T16:08:16-04:00September 11th, 2019|Uncategorized|Comments Off on Video Marketing for Real Estate Testimonial

Why NOW Is A Great Time To Refinance!

Home loan interest rates are approaching 3 year lows.  If your interest rate is above 4.5%, you could stand to save a significant amount of money by refinancing your current loan into a new loan with a lower rate. Rates are low right now, however, there is no telling if these low rates will be around [...]

By |2019-09-11T15:20:26-04:00September 11th, 2019|Uncategorized|1 Comment
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