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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Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.


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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.

Protecting Your Privacy During the Mortgage Process

September 20, 2018

Unfortunately, the failure to protect personal data and financial information is all too common. As identity theft continues to rise, taking proactive steps to safeguard the records that can put us most at risk is essential.

While the possibility is always present, the depth and sensitivity of information requested during the mortgage application process warrant added vigilance.

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Six Costs Of Homebuying You Need To Know

September 18, 2018

Nearly every homebuyer starts with a budget. Beginning the process with a down payment and sales price in mind could simplify your search and avoid the disappointment that comes with falling in love with a home you can’t afford.

However, it’s not unusual for home shoppers,

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Mortgage Without Marriage: Buying A Home With Your Partner

September 13, 2018

Times have changed, and so has the way couples are buying homes. While some commit to a mortgage before they commit to marriage, others plan to own a home with a domestic partner and forego a legal union altogether. If you’re one of the many unmarried couples contemplating the purchase of a property,

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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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