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.

Choosing Home Insurance Coverage You Can Count On

April 23, 2018

A house is likely the largest and most important purchase most of us will ever make. Considering how much time effort and money is invested into buying the perfect home, deciding how to protect it is a critical decision.

The Basics

All mortgage lenders require buyers to maintain a standard home insurance policy.

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Downsizing vs. HECM: Which Is Right For You?

April 19, 2018

Senior homeowners face many decisions as they near retirement and begin planning for the future. While a secure income stream may be awaiting some, the reality for many will be crucial conversations about meeting financial goals and maintaining a lifestyle they can enjoy.

These discussions will likely begin with a fundamental question: Where will you live when you retire?

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Getting The Most Out Of Your Outdoor Space

April 18, 2018

With the days getting longer and warmer weather settling in, moving downtime from the living room to the backyard is a familiar ambition. However, if your outdoor space lacks the functionality and comfort of your couch, it could be time to make a change.

Find The Funds

While there are lots of affordable ways to spruce up your yard or patio,

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Customers

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Refinancing
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FHA Loans
203k Loans
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Office Manager
Lending Operations
 

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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