DFG has  Mortgage Partners that will provide you with high quality mortgage programs at competitive rates. Their home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages, and home improvement loans tailored to your unique situation.

Purchasing A New Home?
Our Mortgage Partners makes getting a loan easy. Contact Daniel Castagna at Annie Mac.
• 100% Financing
• 0 Down Payment Loans
• Low Closing Costs
• Other flexible programs

Pre-Qualification Process

It’s a good idea to figure out how much you can afford and get pre-approved for a mortgage before you start home shopping. Please contact our preferred lender Dan Castagna at 434 439 3000 or at dcastagna@annie-mac.com.  You can apply online by clicking here. The process only takes a few minutes and can be done over the phone or in-person. Information such as: income, assets, down payment, employment history and desired payment range will be reviewed. Based on these and other criteria, your mortgage officer will advise you of the loan amount that you qualify for.

Before you go out looking for a home, you can get an idea of what you can afford by using our Financial Tools. These handy tools will help you estimate how much mortgage you can handle.

Thinking About Refinancing?
These are just a few benefits of refinancing and taking advantage of the low interest rates.
• Save money.
• Lower your payment.
• Get cash out.
• Lower your rate.

Mortgage Loans are subject to credit approval and lender terms.

Annie Mac Logo

Annie Mac Home Mortgage

https://danielcastagna.annie-mac.com/

AnnieMac will set the industry standard for customer service, quality and integrity while providing an innovative lending and servicing platform that allows our borrowers to responsibly experience the benefits of homeownership.

As an approved seller/servicer with Fannie Mae, Freddie Mac and Ginnie Mae, we have access to the best mortgage programs available, including Conventional, Government and Non-Conforming mortgages. Since our processing and underwriting are completed in-house, consumers can expect an efficient process and exceptional customer service, positioning us as a leader in the mortgage lending industry.

AnnieMac Home Mortgage is proud to be recognized as an accredited business by the Better Business Bureau. We strive to provide you with the highest-level of expertise and customer service. Our Licensed Mortgage Loan Originators will make certain that your experience is as straightforward and comfortable as possible. We pride ourselves in being able to provide you with personalized loan options that work best with your individual situation. And, that’s just the beginning of our service…

With over 50 years of experience, our staff strives to offer you prompt, responsive and professional service. Throughout the entire loan process your Licensed Mortgage Loan Originator will provide you with regular loan updates and progress reports so you are aware of your loan status each and every step of the way. At AnnieMac Home Mortgage, we go that extra mile to build strong relationships with our customers by offering unique benefits that other companies are reluctant or unable to offer. We are dedicated to delivering you with the services designed to improve your financial security and future…it is this dedication that our foundation was built upon.

www.annie-mac.com/

Dos and Don’ts when Buying a Home

While you are considering the purchase of your home, you should not do anything that will have an adverse affect on your credit score or employment while your loan is in process. We know it can be tempting. When you are moving into a new home, you might be thinking about purchasing new appliances or furniture, but this is really not the right time to go shopping with your credit cards. You’ll want to remain in a stable position until the loan closes and give us the opportunity to help you close your loan as smoothly as possible.

DON’T APPLY FOR NEW CREDIT OF ANY KIND
You will receive invitations to apply for new lines of credit, do not respond. If you do, the company will pull your credit report and this could have
an adverse effect on your credit score. Likewise, don’t establish new lines of credit for furniture, appliances, computers, fences, etc.

DON’T PAY OFF COLLECTIONS OR CHARGE OFFS
Once your loan application has been submitted, don’t pay off collection unless the lender specifically asks you to in order to secure your loan.
Often times, paying off old collections will cause a drop in your credit score.

DON’T CLOSE CREDIT CARD ACCOUNTS
If you close a credit card account, it can affect your ratio of debt to available credit which has a 30% impact on your credit score. If you really
want to close an account, do it after you close your mortgage.

DON’T MAX OUT OR OVER CHARGE EXISTING CREDIT CARDS
Running up your credit cards is the fastest way to bring your score down and it could drop up to 100 points overnight. Once you are engaged in
the loan process, try to keep your credit cards below 50% of the available credit limit.

DON’T CONSOLIDATE DEBT TO ONE OR TWO CARDS
Once again, we do not want you to change your ratio of debt to available credit. Likewise, you want to keep beneficial credit history on the
books.

DON’T RAISE RED FLAGS TO THE UNDERWRITER
Don’t co-sign on another person’s loan, or change your name or address. The less activity that occurs while your loan is in process, the better it
is for you.

DON’T CHANGE ANYTHING ABOUT YOUR CURRENT EMPLOYMENT
Changing jobs, being laid-off or taking medical leave can adversely affect your mortgage. Lenders verify your employment on the day of closing.
If your employment status changes, please consult your loan officer right away.

DO STAY CURRENT ON ALL EXISTING ACCOUNTS
Late payments on your existing mortgage, car payment, rent or anything else that can be reported to a credit reporting agency and can cost you
dearly. One 30 day late payment can cost you 30-75 points on your credit score.

DO CONTINUE TO USE YOUR CREDIT AS YOU NORMALLY WOULD
Red flags are easily raised within the scoring system. If it appears you are diverting from your normal spending patterns, it could cause your
score to go down. For example, if you’ve had a monthly service for Internet access billed to the same credit card for the past three years.

DO NOT DEPOSIT LARGE SUMS OF CASH
Do not deposit large sums of cash into your accounts unless you can provide documentation and a complete paper trail. If you have any deposits
that are not related to payroll, tell your loan officer right away.

GETTING GIFT MONEY
Make sure you speak to your loan originator before receiving, depositing or using any gift money. It is very important to follow the proper
procedures.

DO CALL YOUR LOAN ORIGINATOR
If you receive notification from a collection agency or creditor that could potentially have an adverse effect on your credit score call me so we can
try to direct you to the right resources and prevent any derogatory reporting to credit bureaus.

Dos and Don’ts
when Buying a Home
by Daniel Castagna
Licensed Mortgage Originator
Residential Mortgage Loan Originator
NMLS ID # 231584
Mob: 856.341.6760
dcastagna@annie-mac.com
www.annie-mac.com
700 East Gate Drive • Suite 300 • Mount Laurel, NJ 08054. American Neighborhood Mortgage Acceptance Company is licensed by the New Jersey Department of Banking and Insurance (#NO00004875), Licensed by the
Pennsylvania Department of Banking as a Mortgage Lender (#33587), Licensed by the Virginia State Corporation Commission as a Mortgage Broker/Lender (MC-5523) (www.nmlsconsumeraccess.org), Maryland Mortgage
Lender (#19406), North Carolina Mortgage Lender License (L-150980)

Robert Dawson, Broker

Credit Scores & Your New Mortgage Loan

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Choosing a Mortgage Loan Officer

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