Headquartered in Astoria, NY, Lyons can service your home financing needs in the states of New York, New Jersey, Connecticut, Pennsylvania, California, and Virginia.
We make the process of securing a mortgage simple and straightforward by offering honest advice and the latest financial tools to help you make sound financial decisions. We understand that every borrower is different, and we offer a variety of loan programs to meet your unique needs.
Your mortgage payment typically consists of the following components, often referred to as PITI:
Choosing the right mortgage depends on your financial situation, goals, and risk tolerance. Fixed-rate mortgages offer consistent payments over time, making budgeting easier. Adjustable-rate mortgages (ARMs) might start with lower rates but can adjust over time. To determine the best fit, consider your long-term plans, how long you intend to stay in the home, and your comfort level with potential rate changes.
A fixed-rate loan maintains the same interest rate and monthly payment throughout the life of the loan. This offers stability but might have a higher initial rate. An adjustable-rate loan starts with a fixed rate for a set period, then adjusts periodically based on an index. Initial rates are often lower, but future adjustments can lead to rate increases.
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