Michael Garff

NMLS # 1951338

801-573-0063

Michael.garff@gmail.com

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How Long Does a Mortgage Pre-Approval Last?

How Long Does a Mortgage Pre-Approval Last?

The U.S. real estate market has had an extremely low inventory of available homes over the past two years thanks to enormous demand. That has resulted in longer home searches for potential buyers. The National Association of Realtors recently reported tha

Feb 28, 2023 | Purchasing a Home

Happy Valentine's Day

Happy Valentine's Day

We love Mortgages, but we love it even more when we get to work with awesome customers like you! Thank you for choosing us for your mortgage needs. Your trust and loyalty mean the world to us.  Wishing you everything that makes you happiest, today and alw

Feb 14, 2023 |

10 Important Facts About VA Loans

10 Important Facts About VA Loans

Are you one of the more than 16 million veterans and 1.3 million active-duty military members in the United States today? If so, you are likely eligible for a VA loan. Here are the facts you need to know about these helpful mortgages. VA Loans Are Guaran

Feb 07, 2023 | VA Loans

Buying a Vacation Home or Investing in a Timeshare?

Buying a Vacation Home or Investing in a Timeshare?

Having a place to escape to when they take time off is a dream for many people. There are plenty of options out there for finding a consistent vacation spot. Two of the most popular are buying a vacation home or buying into a timeshare group. The one that

Jan 31, 2023 | Purchasing a Home

What is the Difference Between a Mortgage Interest Rate and the APR?

What is the Difference Between a Mortgage Interest Rate and the APR?

As you start applying for a mortgage loan, you will probably hear the terms “APR” and “mortgage interest rate” a lot from lenders. What do these mean, what is the difference between them, and how do they affect your home loan? Mortgage Interest Rate When

Jan 24, 2023 | Interest Rates

Your Mortgage Closing Checklist

Your Mortgage Closing Checklist

You’re in the home stretch: you’ve found a great home, made an offer and been accepted. You’ve gone through the home inspection appointments and resolved any issues and now you’re waiting for the mortgage underwriting process to wrap up before you finally

Jan 17, 2023 | Purchasing a Home

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