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6 Dickinson Drive Units 213, 214 & 215 Chadds Ford, PA 19317 Mobile (484) 680-8092 [email protected]
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Marcus Mannino
Hello! My name is Marcus. For 20 years, it has been my pleasure to serve our loan communities in the Mid-Atlantic to achieve their homeownership dreams. Focus and discipline are key skills I learned early in life through sports. My strong work ethic drives me every day as I strive to help clients reach their goals.
At America’s #1 Retail Mortgage Lender, I offer a comprehensive selection of home financing options. These include conventional, jumbo, FHA and VA loans — plus programs through the Delaware State Housing Authority.
Giving back to the community is my passion. It’s a joy to coach football at the middle and high school levels. Through my business and personal life, I have gained a deep understanding of the home financing needs of people in diverse neighborhoods and communities throughout the Mid-Atlantic region.
My goal is to open your door to homeownership. From application to closing, I look forward to being with you every step of the way!
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.