Thank you for thinking of Steve Oswald/Finance of America Mortgage for your mortgage lending needs. The mortgage process is complicated and can oftentimes be overwhelming. When it comes to your home mortgage, experience really does matter. I’ve been advising clients on the complex mortgage process for over twenty years – helping consumers to make well-educated decisions and choose the best loan program for their particular needs. Markets are always changing, with multiple ups and downs, so it’s crucial that you work with a trusted mortgage advisor who is fluent in the full range of residential loans and opportunities. In addition, my team and I pride ourselves on straightforward communication and timely response to inquiries.
As a Branch Manager and Mortgage Banker for Finance of America Mortgage, I have extensive experience in product knowledge, loan originating, and managing accounts, with the insight to anticipate issues and effectively address complications if they arise. Because I am a mortgage banker, every step stays local – your loan is underwritten, funded, and closed in-house at Finance of America Mortgage. The end result . . . better service, faster turn-around, and loans that are more likely to fund.
I have a well-rounded background in the mortgage industry, having worked as a residential appraiser, a top-producing loan originator, and successful branch manager for several mortgage companies in Phoenix. In 1997, my wife and I founded Chicago First Mortgage in Phoenix, managing the company for more than a decade and increasing annual sales from $0 to $88 million. I have worked for Pinnacle Capital Mortgage, which is now Finance of America Mortgage, since 2009.
I am a Chicago native and a proud Chicago Cubs fan. It’s fair to say that I love all things Chicago and I refer to Phoenix as the westernmost suburb of Chicago. Mortgage is in my family’s blood, as my wife is a mortgage underwriter and my sister works as an underwriter for a mortgage insurance company. I’m a dog lover and currently the pet parent to a Wheaton Terrier named Buddy and a Golden Retriever named Jessie.
Licensed in Arizona, California, Oregon, Minnesota, Illinois, Texas, and Michigan.
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.
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.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
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.
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.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
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