I'm Annias. Your local Mortgage Loan officer.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now
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Annias Tate

Mortgage Loan officer

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now

About Annias.

With over a decade in the mortgage industry, Annias has become a trusted expert known for guiding clients through a clear, educational, and seamless lending experience. He has extensive experience working with a diverse range of clients, including first-time homebuyers, self-employed individuals, investors, and repeat buyers, and is committed to delivering a lending process that is as stress-free as it is informative.

Annias believes in demystifying each step of the lending journey, from the initial pre-approval to closing. He takes the time to walk clients through their credit profiles, budgeting strategies, and loan product options to ensure they make well-informed choices that align with their financial goals. By offering transparency at every stage, he fosters a comfortable environment where clients feel confident asking questions and understanding complex lending terms and requirements.

A cornerstone of Annias's approach is his commitment to crafting individualized financing solutions. He works closely with each client to identify loan programs that fit their unique needs—whether they’re navigating the flexibility needed for self-employed income, seeking financing for investment properties, or leveraging options for first-time homebuyers. His deep industry knowledge and attention to detail empower his clients to take advantage of the best rates and terms available.

Known for his proactive communication and responsiveness, Annias ensures his clients are always well-informed about the status of their loan, key milestones, and next steps. His commitment to clarity, combined with his personalized approach, has made him a preferred partner for homebuyers seeking not only a loan but a lending experience that is supportive, educational, and truly client-centered.

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

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No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.