Determine your monthly mortgage payment using our free calculator. Buying a home is a milestone, and it’s one of the most significant purchases you can make. It’s important to know what your mortgage payment could be, and how much you can afford.

If you plan to make a downpayment of less than 20% of the home’s value at purchase, you will be required to purchase private mortgage insurance (PMI).* Legal

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  Welcome  

Hello, Hi, Howdy, My name is Robert Bearce and Welcome to Open Mortgage.

Finding all the current and wonderful information on all the various Home Loans is what we do. Residential home purchases and refinancing are our specialties. We offer Home Loans to lower your current interest rate and payment, consolidate debt, or to buy the home you have been dreaming about. I can help. We offer a lender based relationship with our clients on all of our home loans having their say as to what loan program and terms that best suit them. We offer all the FHA, VA, USDA, and conventional programs to ensure you a wide selection of choices to make the right selection on the right home loan program. We have several investor programs to choose from. We will meet with you on your schedule at your convenience to make it as easy as possible to get your questions answered and show you the tools we have to ensure a great lending experience. We are with you from start to finish and we are at closing with you.

Low-Cost Touches To Help Sell a Home ASAP

May 17, 2018

The negotiations and decision-making that are integral to selling a home can be stressful. While many aspects are mostly out of your hands, staging is one strategy that may help the process go more smoothly, and more quickly. Thankfully, arranging and decorating your home to appeal to potential buyers doesn’t have to break the bank.

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Helping Empty Nesters Navigate The New Era Of Mortgages

May 15, 2018

With their children out of the house, many empty nesters consider downsizing their expenses, starting with a smaller home. If they haven’t bought a home in a while, they will find that much has changed in the mortgage process, especially since the 2007 subprime mortgage crisis. Aligning your expectations with the reality of today’s mortgage process can take much of the frustration out of the experience.  

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Five Unexpected ways a HECM Could Improve Your Quality of Life

May 10, 2018

Retirement is one of the milestones most looked forward to in life. Work is done and free time reigns. Maybe you’ve always wanted to travel Europe, or take up sailing, or just live closer to your children and grandchildren, but money is tighter now. For many, a Home Equity Conversion Mortgage (HECM) is a great way to increase your cash and accomplish your bucket list in your retirement years.

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203k Loans
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Buying a home

Every home is a milestone. Every mortgage is a cornerstone. Whether you're buying a new home, remodeling or ready to refinance, we understand that a loan is more than a tool to achieve your dreams -- it's a belief in you and the importance of your goals.

Refinancing a home

Take advantage of a lower rate that could reduce your monthly payment or change the term of your loan. Our outstanding customer service and commitment to provide transparent communications means that Open Mortgage makes your priorities our mission.
 

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