GOALS

• Desires to move out of her current rental apartment and purchase her first condo in a vibrant and trendy neighborhood
• Wants to utilize her savings and stable income to qualify for a conventional mortgage with a low down payment option
• Seeks guidance and support from a reputable mortgage lender to navigate the home buying process for the first time.

Frustrations

• Feeling overwhelmed by the competitive real estate market and the prospect of getting outbid on properties
• Balancing the desire for a stylish and modern living space with the financial constraints of a starter home budget
• Understanding the intricacies of mortgage terms, interest rates, and closing costs without prior experience.

GOALS

• Intends to refinance his existing mortgage to take advantage of lower interest rates and potentially shorten the loan term
• Wants to leverage the equity in his current home to fund a major renovation project
• Seeks a hassle-free refinancing experience with transparent communication and efficient processing.

Frustrations

• Dealing with lengthy paperwork and documentation requirements during the refinancing process
• Comparing different refinancing offers and understanding the associated fees and closing costs
• Managing his time effectively to balance his demanding medical profession with the demands of a financial transaction.