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Frequently Asked Questions
Fixed rate or adjustable rate?
APR or interest rate?
How is property value estimated?
Can I get a loan with less than perfect credit?
How should I estimate my property tax and insurance payments?
How often does the escrow portion of my monthly payment change?
How do I qualify for a loan?
When will I know my interest rate, and will it change?
Should I refinance?
Do I get to keep the appraisal?
How does an Appraiser determine a value?
What is a "Point" and should I pay it?
Is "Pre-paid Interest" a fee associated with getting a loan?
What are closing costs?
How should I handle my closing costs?
How is my monthly payment calculated?
What is PMI?
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Loans originated by
Pacific Capital Mortgage, Inc.
4900 W Expressway 83, Suite 230
McAllen, TX 78501
Pacific Capital Mortgage, Inc.
© 2017-2021
NMLS #1946078
NMLS Consumer Access
Licensed in AZ, TX
AZ MB- 1015469
The smarter, easier approach to buying a home or refinancing.
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