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.

Reverse Mortgages Mean Staying Ahead of Home Repairs

February 16, 2018

A reverse mortgage offers homeowners age 62 and older an affordable avenue to access their home equity. For some, this provides an opportunity to pursue a lifelong dream, while others may simply make it a part of their retirement strategy.

In any case, tapping into your home’s value also makes you contractually obligated to be a responsible homeowner.

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Love Your Mortgage, No Matter Your Relationship Status

February 15, 2018

Marriage or mortgage, agreeing to a long-term commitment isn’t a decision to be taken lightly. A real connection, and the confidence it will last, is critical to the success of either.

However, shopping for a mortgage as a married couple can bring some added considerations to the table.

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Know Your Rights: Home Ownership Is For Everyone

February 12, 2018

Black History Month celebrates the achievements of African Americans and recognizes their central role in American history. It’s also an opportunity to appreciate the advancement of civil rights, and highlight the deficiencies that still exist. 

One way to ensure progress continues is by asserting the rights that we all share,

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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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