Throughout my 20+ years in the mortgage business, I have prided myself on always being there for the customer. There have been many changes in the mortgage industry, especially over the past 5 years. That is why you need someone who can advise and educate you on the programs that are available to you.

I will take the time to sit down and explain to you what your options are, and, together, we can determine what would be the best loan program for you based upon your circumstances. If your current financial situation does not allow you to qualify for a loan at this time, I will be happy to help you put a plan together for the future.

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About

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John Glath, owner and sole mortgage specialist of Serenity Mortgage, understands that the prospect of purchasing a home or refinancing can be very exciting and intimidating at the same time. Whether you have a few questions or you feel like you don't even know where to begin, John wants to help "light your way through the mortgage process."

Products

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Are you looking at a house with "good bones" but it needs a lot of work? The FHA 203(k) loan program provides funds for renovations and repairs of your primary residence by financing the after-improved value rather than the present value of the home'. Qualified borrowers receive a single loan with one closing!

Glossary

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A type of alternative mortgage instrument in which the interest rate adjusts periodically according to a predetermined index and margin, this adjustment results in the payment either increasing or decreasing. In some situations, the adjustment is made to the outstanding principal. Repayment of a debt in equal installments of principal and interest, rather than interest-only payments.

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