Who is Don Albro?
For over 15 years, I have been dedicated in helping customers with all their mortgage needs. With over 25 years of business experience, I pride myself in providing exceptional service to each of my clients, from the first time home buyer with endless questions to the sophisticated home buyer, searching for financing on a second home or investment property.
I have achieved several mortgage production awards as top producer in the New Hampshire Lakes Region. I am, also, a member of the Lakes Region Board of Realtors, and the Strafford Board of Realtors. In addition, I am a Certified Builder Representative with extensive experience in construction lending.
It would be my pleasure to assist you with your home financing options.
Please call for complimentary consultation to develop your individualized financing plan.
Mortgage Programs
National Lender
Jumbo Mortgage Financing
Second Home Financing
Investment Property Financing
Commercial Programs
Construction Loan Programs
100% Financing & Refinancing Options
Government Loan — FHA
State Housing Loans
Portfolio Loan Programs
Many More Mortgage Programs Available
I am available to discuss finance strategy to suit your individual needs from primary homes to investment properties to super jumbo lending.
I look forward to working with you in your home buying process.
Don Albro
Senior Loan Officer
Toll Free: 888-225-1599
Cell: 603-978-2717
Email: dalbro11@yahoo.com
Planning for Home Ownership: If you dream of buying a home you came to the right place. Mortgage Network can make your dream of owning a home a reality.
1. Begin your shopping with confidence by knowing what you can afford. Let us pre-approve your home. Contact me today to find out your home buying affordability.
2. Here’s what lenders must analyze as they consider a loan request:
à Based on your earnings and debt, lenders calculate your approximate borrowing limit. Mortgage payments, property taxes, hazard insurance, etc. Should not exceed 28-30% of your monthly income; these are know as housing expenses.
à All other debts such as car payments, student loans and credit cards are then added to your expenses. This sum should not exceed 36-38% of your monthly gross income. If it does it probably will only reduce the amount of mortgage for which you may qualify.
Once you have a good idea of how much home you can afford, it’s time to start figuring out what features are the most important. Start by making an organized list this will help evaluate your options. It’s time to ask yourself a very important question. What am I looking for in a home? Searching for your dream home is exciting, but there is no magic formula for determining the right home for you. The home shopping process is much more subjective and intangible
What is important to you? Location, location, location
To narrow down the possible destinations in your area, start with the broad strokes such as a general local and then fill in the details such as neighborhood, features and type of home. (condo, townhouse or traditional detached house).
For many, quality of life factors such as proximity to schools and work are important, but, if you are concerned about resale value, focus on location and neighborhood. There is no single factor that affects the value of your home more than location. Most buyers want to sacrifice their desirable home features and preferences to get into the area or neighborhood they want to live in.
This makes sense: You can always add an extra room or a swimming pool later. But after you moved in. no amount of home improvements can move your house from the city to the south or east side to the west side.
What should you look for in a neighborhood?
Here are the seven top characteristics that potential buyers look for when choosing a neighborhood to live in, brought to you courtesy of a recent survey:
1. Good schools
2. A “good” or “better” neighborhood
3. Close to shopping
4. Proximity to work
5. Close to family/friends
6. Low crime
7. Close to parks/recreation
Tips: Picking the right neighborhood will require plenty of diligence on your part. To do it fast here are some tips—then go with your gut.
1. Get a detailed map. Locate the schools, parks, shopping areas, hospitals, Just go to the MAPBLAST.com and enter an address to create a map of the area
2. Visit, Walk around, Drive around. Visit the local neighborhoods at different times. Check out the morning drive on your way to work and evening commute on your way home. Does it appear safe? Are you impressed by the conditions of the houses and yards you see?
3. Ask friends and co-workers what they know about the area. Someone may already know someone that can give you the 411.
4. Grade the schools. Contact the local school board. Here are some points to consider; class size, enrichment programs, special needs, standardized test results.
Helpful internet websites:
Assests Realty Group www.assetsrealtygroup.com
The Michael Bean Group www.beangroup.com
Maxfield Real Estate www.maxfieldrealestate.com
Prudential Spencer Hughes www.spencerhughes.com
Bloomberg Financial www.bloombergfinancial.com
Northern New England Real Estate Network www.nneren.com
Mapquest www.mapquest.com
Simply complete and print this form and email it to Don Albro.
Email: dalbro11@yahoo.com
BORROWER CO-BORROWER
Full Name: Full Name :
Date of Birth: Date of Birth:
Home Phone: Home Phone:
Cell: Cell:
Address: Address:
City: City:
State: Zip: State: Zip:
**Borrower Signature: Date:
**Co-Borrower Signature: Date:
AUTHORIZATION: I (we) understand that to complete my Home Ownership Analysis information about me may be obtained from a credit reporting service and that all information provided is strictly confidential. This is not to be considered as a loan application or a commitment to extend credit.
I can take your loan application, over the phone or by email. Or, if you prefer, we can meet at your home, at your office or our office. When it is convenient for you, during the day or evening, During the week or on the weekend. Whatever works best for you!
A pre-approval will assure both the Realtor and Seller that you are a serious buyer. To make your offer as attractive as possible, we will provide your pre approval for the specific home you want. In addition, you will receive a copy of your credit report at no charge.
Call us today (603) 978-2717
This consultation form does not constitute an application or a commitment to lend. This pre-approval is not an indication of the actual loan type or amount for which you may qualify. For qualified borrowers only, subject to underwriting approval.