About Me
JoAnns been in the mortgage banking industry for over 25 years. Upon graduating with a Bachelor’s degree in Business Finance in 1986, she launched her career as a retail mortgage loan officer. After all these years, JoAnn is still patient, caring, and knowledgeable in finding the loan product that best fits her clients financial needs. She continues to work closely with the real estate professionals in her area, assisting in closing purchase transactions in a timely manner. JoAnn is always courteous, professional and informative through every transaction whether its a refinance, purchase, or a pre-qualification.
Calculators
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Mortgage Calculator
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Get Started with Joann Merrill – Mortgage Advisor -
Refinance Calculator
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Get Started with Joann Merrill – Mortgage Advisor -
Affordability Calculator
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Get Started with Joann Merrill – Mortgage Advisor
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
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Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
