Mortgages
Financing Built Around You
Buying a home is one of the most significant financial decisions you will ever make. A mortgage should not just get you to the closing table — it should be structured to support your financial life for years to come.
At Guzzo & Co, we take the time to understand your goals, your income, and your long-term plans before recommending a single loan program. Whether you are buying your first home, a second property, or an investment, we find the structure that fits you best.
Loan Options We Offer
We provide access to a wide range of mortgage programs, including:
- Fixed-rate mortgages
- Adjustable-rate mortgages
- Conforming and jumbo loan programs
- Financing for primary residences, second homes, and investment properties
- Specialized programs for medical professionals and self-employed borrowers
Every option is explained clearly so you understand exactly what you are signing up for before you commit.
How the Process Works
We begin with a thorough review of your income, assets, credit, and property goals. From there we guide you through every step — pre-approval, underwriting, and closing — with clear communication at each stage.
You will always know:
- Where your application stands
- What your rate lock options are
- What to expect at closing, including your total costs
- How to plan for any contingencies along the way
Our job is to make sure nothing surprises you.
If Your Financial Situation Is More Complex
Not every borrower has a straightforward financial picture — and that is perfectly fine. If your income varies, you own multiple properties, or your finances are structured through a trust or business entity, we have programs designed for exactly that.
We look at the full picture of your financial strength, not just a single number on a form.
Frequent Asked Questions
A mortgage is a loan you use to buy a home. You agree to pay it back with interest over time, usually in 15 or 30 years.
Lenders look at your credit score, job history, income, and how much debt you have. You’ll usually also need a down payment.
It depends on your income, debts, and credit. Lenders use something called a debt-to-income ratio to decide how much you can afford.
Common options include:
Fixed-rate mortgages (your rate never changes)
Adjustable-rate mortgages (ARMs) (rate can change over time)
FHA loans (lower down payment, government-backed)
VA loans (for veterans and active military, often no down payment)
Jumbo Mortgage (for more expensive homes)
These are fees you pay when you close on your home, like appraisal, title, and lender fees. They usually cost around 3%–5% of the home’s price.
Shop around with different lenders, keep your credit strong, make a bigger down payment if possible, or choose a shorter loan term. A mortgage broker can also help you compare options.
Yes, you can refinance. Refinancing lets you replace your current mortgage with a new one, often to lower your payment, shorten your loan term, or use your home’s equity. Before refinancing, weigh the costs and benefits and talk to a mortgage professional to see if it makes sense for you.
