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.

How does Age Factor Into The Benefits of a HECM?

June 14, 2018

If you or a family member is considering a Home Equity Conversion Mortgage, or HECM (also known as a reverse mortgage), you probably know that age is important; after all, FHA requires that borrowers be 62 years old to qualify.

But there are other reasons age matters,

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Step Up to Homeownership with Little Or No Down Payment

June 12, 2018

A down payment can be one of the biggest obstacles to homeownership. But, it doesn’t have to be. Open Mortgage partners with our clients to identify available mortgage options with minimal or zero down payment requirements. Here are some of the ways we help borrowers achieve the dream of homeownership sooner rather than later.

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How Backyards Can Become A Black Hole For Buyers and Sellers

June 7, 2018

With the summer housing market heating up, a sparkling pool or comfortable outdoor kitchen may seem like the key to closing a sale. However, backyard amenities may not live up to expectations, for buyers or sellers, particularly when it comes to completing the transaction.

Appraisal Process

If you’ve bought a home before,

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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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