A mortgage is a type of loan that helps you buy a home when you don’t have (or don’t want to use) all the cash upfront.

When you take out a mortgage, a lender gives you most of the money you need to buy your home today. In return, you agree to pay it back over time through monthly payments. Those payments usually include a bit of interest, which is the lender’s way of making money on the loan.

Think of it like auto financing—when you buy a car with a loan, you own the car and make monthly payments. A mortgage works the same way, but for your home. And just like with a car loan, if the loan doesn’t get paid as agreed, the lender can eventually take back the home (called foreclosure). But of course, that’s something everyone works hard to avoid.

It’s all about the interest. That’s the cost of borrowing, and it allows lenders to profit from the loan. Mortgage interest is a big topic, and it can feel a little confusing at first—but that’s exactly why I’m here.

As a mortgage professional, I’ll help you understand your loan options, interest rates, monthly payments, and how it all fits into your financial picture. I’m here to guide you through every step—so you feel informed, confident, and in control.