Meet The Heckman Group

At Heckman Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor.

Evelyn Conley Testimonial

Listen as Evelyn tells you about her moving experience working with The Heckman Group. She was dumped by her first realtor but was saved by the heroic teamwork of Gary Ricco and the Heckman Group. Against the odds, they were able to get Evelyn into her dream condominium to live happily ever after.

How Much Do I Put Down?

GOOD NEWS! You do NOT need to put down a 20% down payment to get a mortgage. Actually, there are too many loan options to list here. There are 0% down payment options, and down payment assistance programs, and, well, too many options to list. This video explains a little more, and, yes, talk with one of our licensed mortgage professionals to find a scenario that works for you.

Meet Brian Heckman

Meet the man behind the mortgage. Loan Originator, Brian Heckman, will not only help you save money and win offers on the home of your dreams, but will make the entire process enjoyable and fun!

Beau Herringer Testimonial

Listen as Beau tells you about his experience working with The Heckman Group. We were able to get Beau the MCC Tax Credit AND he was eligible for the Community Heroes credit for being a Teacher!

What is Debt to Income Ratio?

Your total allowable monthly mortgage payment is determined by how much debt you have, versus how much income you make. This is often misunderstood, and miscalculated, by consumers and Realtors®. Check out the video for more information, but you’ll definitely want to allow our licensed mortgage professionals help you on this part.

Rate Quote Warning

Be careful when going with a mortgage company based solely on the lowest rate. Many lenders will promise you a lower rate just to undercut a competitor’s rate. However, actually locking in that low rate might never be possible because it didn’t exist in the first place. Look them up on Google and Yelp. If they don’t have many reviews, they probably don’t have many clients either, and there is probably a reason for that.

Tyler Choura Testimonial

Listen as Tyler tells you about his experience working with The Heckman Group. We were able to get his offer accepted and get him the community heroes credit for being a teacher!

What If I Started A New Job?

While a borrower typically needs a 2-year job history, there are plenty of situations where less than a 2-year history is allowed. Certainly, check out this video for examples. But don’t ignore this “guideline”, and don’t disqualify your situation without first talking with one of our licensed mortgage professionals.

Down Payment vs Closing Costs

Make sure you’re using the correct words, and accommodating for all the costs associated with closing a mortgage. Many lenders openly discuss closing costs, but underestimate, miscalculate or leave out the required “closing costs” associated with closing a mortgage. While these costs can vary widely from loan to loan, and based on the loan amount, you’ll want to make sure you have accurate figures for these. This quick video explains this a little more. Our licensed mortgage professionals will review this with you as well.

Down Payment vs Cash to Close

A lot of borrowers miss this…and it can be a costly miss. Your “amount down” is typically not the total expected amount to bring to closing. We need to be targeting your total “cash-to-close”, which includes your down payment, closing costs, and prepaid items…your “total-bottom-line” amount you’ll need for closing. This video explains that, and our licensed mortgage professionals will cover this, too.

How Much Can I Afford?

Lenders determine your loan approval amount by looking at your existing debt versus your current gross income. Of course, there are plenty of exceptions and loopholes to guidelines. This is a complex aspect, and one you should only leave to an expert licensed mortgage professional, who can work backwards to determine how much loan amount, and/or monthly payment you can get approved for, depending on your loan type, and down payment amount.

What’s My Monthly Payment?

This is perhaps the most important part of the mortgage process, and the one that is most regularly not estimated and communicated thoroughly. Our licensed loan professionals will review your approval scenario based on your price, your ideal down payment and loan type, and the “estimated four escrows” discussed in this video. Then our licensed mortgage professionals will review with you accurate and thorough figures, as you consider various properties and price ranges.

What If My Parents Help With Closing Costs?

If you have parents or other family members helping you purchase a home, you’ll just need to inform your lender early in the process, as you’ll need to provide some additional information and documentation. Make sure you confirm this with our licensed mortgage professionals, so that your loan is set up and approved this way to avoid issues and/or delays in your closing.

What Is PMI?

Private mortgage insurance, commonly called “PMI” allows borrowers to get a mortgage without having a 20% down payment. With PMI, a borrower pays an additional monthly amount for the PMI, which is based on several factors including amount down, credit score, loan type and debt ratios. On the bright side, PMI allows borrowers to close a mortgage without having to wait to save up a full 20% down payment, and therefore start building equity in a property sooner. Our licensed mortgage professionals will also discuss “no PMI options” too.

What Does Your Real Estate Agent Do?

Having an expert and experienced Real Estate Agent, also known as a Realtor®, is an absolute necessity for you. They will help you identify the best neighborhoods and homes to preview, negotiate your offer into contract, and help facilitate all aspects of the transaction pertaining to the property (such as inspections and possible repairs). Having a Real Estate Agent who hustles and works tirelessly for you, AND is an expert with plenty of experience is crucial. If you need an introduction to such a partner, our mortgage team can make that introduction to one of our Real Estate Agent partners who possess all three of those traits.

What If My Parents Make Payments?

Sometimes borrowers have parents or family members making monthly payments for some debt obligations. There are some common loans, like student loans or auto loans, that commonly have parents paying for borrowers. Sometimes those payment can be omitted from a borrower’s qualifying scenario, and sometimes they cannot. Certainly, discuss your scenario with one of our licensed mortgage professionals as early in your process as possible.

How Do I Factor Interest Rates?

Mortgage rates can fluctuate second-to-second, much like the stock market. This is a very complex topic, that we begin to simply in this video. Our team of licensed mortgage professionals track mortgage rates real-time, watching the financial markets, including the mortgage-backed securities markets, to put our borrowers in the best position to secure the best interest rate possible for the time in which our clients are getting their mortgage.

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