{"id":251,"date":"2017-06-10T08:34:22","date_gmt":"2017-06-10T08:34:22","guid":{"rendered":"http:\/\/xtratheme.comconstruction\/?page_id=13"},"modified":"2021-07-22T11:17:11","modified_gmt":"2021-07-22T15:17:11","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.exodusfinancialllc.com\/?page_id=251","title":{"rendered":"FAQ"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row][vc_column]<div id=\"cz_32551\" class=\"cz_32551 cz_title clr cz_title_pos_inline tac\"><div class=\"cz_title_shape shape_image cz_shape_1\"><img width=\"75\" height=\"75\" src=\"https:\/\/www.exodusfinancialllc.com\/wp-content\/uploads\/2019\/12\/sep-img.png\" class=\"attachment-full\" alt=\"\" decoding=\"async\" title=\"sep-img\" \/><\/div><div class=\"cz_title_content\"><div class=\"cz_wpe_content\"><h3 style=\"text-align: center;\"><span style=\"font-size: 36px; color: #672f79;\"><strong>Do You Have Questions?<\/strong><\/span><\/h3>\n<\/div><\/div><\/div><div class=\"cz_gap clr \" style=\"height: 30px\"><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: center;\">Ask a certified housing counselor! We are happy to answer any questions you may have, without obligation or pressure. Any information you share with and Exodus Financial Counselor is confidential.<\/p>\n<p>[\/vc_column_text]<div class=\"cz_btn_block\"><div class=\"cz_107538_p\"><a id=\"cz_107538\" class=\"cz_107538 cz_btn cz_btn_txt_no_fx cz_btn_no_fx\" href=\"http:\/\/www.exodusfinancialllc.com\/?page_id=749\" title=\"Free Quote\"><span><i class=\"fa fa-volume-control-phone\"><\/i><strong>CALL US TODAY!  301-772-0777<\/strong><\/span><b class=\"cz_btn_onhover\"><i class=\"fa fa-volume-control-phone\"><\/i><strong>CALL US TODAY!  301-772-0777<\/strong><\/b><\/a><\/div><\/div><div class=\"cz_gap clr \" style=\"height: 50px\"><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1497126171788{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;]<div id=\"cz_45050\" class=\"cz_45050 cz_title clr cz_title_has_icon cz_title_pos_inline\"><div class=\"cz_title_content\"><i class=\"cz_title_icon_before fa fa-question-circle\"><\/i><div class=\"cz_wpe_content\"><h3><span style=\"color: #672f79;\">Mortgage<\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><strong><u>HOW TO GET THE BEST MORTGAGE RATE<\/u><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>To get there, though, it\u2019s crucial to get the best possible mortgage rate. The rate and terms of your mortgage matter, since these factors can dramatically impact the total amount you spend.<\/p>\n<p>&nbsp;<\/p>\n<p>Lower your rate by a percentage point or two, and you\u2019ll save thousands in interest over the course of the loan.<\/p>\n<p>&nbsp;<\/p>\n<p>As you consider your options for your next mortgage, it\u2019s a good idea to set yourself up as best you can to ace the loan application and score the lowest rate.<\/p>\n<p>&nbsp;<\/p>\n<p><u>\u201cThere are three pillars: your credit score, your income (which is converted to a debt-to-income ratio) and your assets,\u201d explains Josh Moffitt, president of Silverton Mortgage in Atlanta.<\/u><\/p>\n<p>&nbsp;<\/p>\n<p><u>In each of those areas, here are the steps to take to help get the best possible mortgage rate.<\/u><\/p>\n<p>&nbsp;<\/p>\n<p>Mortgage refinance calculator shows you how much house can you afford?<\/p>\n<p>&nbsp;<\/p>\n<form action=\"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F251#lidd_mc_form\" id=\"lidd_mc_form\" class=\"lidd_mc_form\" method=\"post\"><div class=\"lidd_mc_input lidd_mc_input_light lidd_mc_input_responsive\"><label for=\"lidd_mc_total_amount\">Mortgage Amount<\/label><input type=\"text\" name=\"lidd_mc_total_amount\" id=\"lidd_mc_total_amount\" placeholder=\"$\" value=\"300000.00\" \/><span id=\"lidd_mc_total_amount-error\"><\/span><\/div><div class=\"lidd_mc_input lidd_mc_input_light lidd_mc_input_responsive\"><label for=\"lidd_mc_down_payment\">Down Payment ($)<\/label><input type=\"text\" name=\"lidd_mc_down_payment\" id=\"lidd_mc_down_payment\" placeholder=\"$\" value=\"60000.00\" \/><span id=\"lidd_mc_down_payment-error\"><\/span><\/div><div class=\"lidd_mc_input lidd_mc_input_light lidd_mc_input_responsive\"><label for=\"lidd_mc_interest_rate\">Interest Rate (%)<\/label><input type=\"text\" name=\"lidd_mc_interest_rate\" id=\"lidd_mc_interest_rate\" placeholder=\"%\" value=\"5.00\" \/><span id=\"lidd_mc_interest_rate-error\"><\/span><\/div><div class=\"lidd_mc_input lidd_mc_input_light lidd_mc_input_responsive\"><label for=\"lidd_mc_amortization_period\">Amortization Period (years)<\/label><input type=\"text\" name=\"lidd_mc_amortization_period\" id=\"lidd_mc_amortization_period\" placeholder=\"years\" value=\"30\" \/><span id=\"lidd_mc_amortization_period-error\"><\/span><\/div><input type=\"hidden\" name=\"lidd_mc_payment_period\" id=\"lidd_mc_payment_period\" value=\"12\" \/><div class=\"lidd_mc_input\"><input type=\"submit\" name=\"lidd_mc_submit\" id=\"lidd_mc_submit\" value=\"Calculate\"\/><\/div><\/form><form action=\"https:\/\/www.mlcalc.com\/\" method=\"post\" id=\"lidd_mc_mlc_form\" target=\"MLCalcFrame\"><input type=\"hidden\" name=\"ml\" value=\"mortgage\" \/><input type=\"hidden\" name=\"cl\" value=\"true\" \/><input type=\"hidden\" name=\"wg\" value=\"widget\" \/><input type=\"hidden\" name=\"wt\" value=\"rmc\" \/><input type=\"hidden\" name=\"cr\" value=\"usd\" \/><input type=\"hidden\" name=\"cr\" value=\"\" \/><input type=\"hidden\" name=\"wl\" value=\"en\" \/><input type=\"hidden\" name=\"ma\" value=\"300000.00\" \/><input type=\"hidden\" name=\"dp\" value=\"60000.00\" \/><input type=\"hidden\" name=\"mt\" value=\"30\" \/><input type=\"hidden\" name=\"ir\" value=\"5.00\" \/><input type=\"hidden\" name=\"pt\" value=\"0\" \/><input type=\"hidden\" name=\"pi\" value=\"0\" \/><input type=\"hidden\" name=\"mi\" value=\"0\" \/><\/form><div id=\"lidd_mc_details\" class=\"lidd_mc_details\"><div id=\"lidd_mc_results\" class=\"lidd_mc_results\"><\/div><span id=\"lidd_mc_inspector\"><img src=\"https:\/\/www.exodusfinancialllc.com\/wp-content\/plugins\/responsive-mortgage-calculator\/img\/icon_graph.png\" width=\"12\" alt=\"mortgage payment calculator\" \/><\/span><\/div>\n<p>If you anticipate that market values will continue to rise in your area, you will need to consider increasing your income by bringing in more revenue or cutting more expenses to bring your capitalization rate back up.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/mortgages\/mortgage-rates\/\">Mortgage rates<\/a> are heading back down. The average rate on 30-year mortgages fell this week to 3.13 percent from last week\u2019s 3.16 percent, according to Bankrate\u2019s weekly survey of large lenders.<\/p>\n<p>&nbsp;<\/p>\n<p>Remember, with rates this good, this is the best time to refinance.<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><div id=\"cz_21933\" data-arrows='{\"open\":\"fa fa-angle-down\",\"close\":\"fa fa-angle-up\"}' class=\"cz_21933 cz_acc clr cz_acc_first_open\"><div><div id=\"\"><span class=\"cz_acc_child\"><div>How can I reach you?<\/div><\/span><div class=\"cz_acc_child_content clr\"><div id=\"cz_24212\" class=\"cz_24212 cz_title clr cz_title_pos_inline\"><div class=\"cz_title_content\"><div class=\"cz_wpe_content\"><p>The\u00a0 customer service number is <span class=\"d-none d-md-inline\">301-772-0777<\/span>. You may also email Grace at grace@exodusfinancialllc.com<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"cz_gap clr \" style=\"height: 70px\"><\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;]<div id=\"cz_18663\" class=\"cz_18663 cz_title clr cz_title_has_icon cz_title_pos_inline\"><div class=\"cz_title_content\"><i class=\"cz_title_icon_before fa fa-pencil-square-o\"><\/i><div class=\"cz_wpe_content\"><h3><span style=\"color: #672f79;\">Ask Us<br \/>\n<\/span><\/h3>\n<\/div><\/div><\/div><div id=\"cz_91723\" class=\"cz_91723 cz_cf7 clr\"><div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f513-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F251#wpcf7-f513-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"513\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.8.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f513-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (*)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (*)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message\" name=\"your-message\"><\/textarea><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send Message\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"cz_gap clr  hide_on_tablet hide_on_mobile\" style=\"height: 120px\"><\/div><div class=\"cz_gap show_on_tablet clr \" style=\"height: 60px\"><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Ask a certified housing counselor! We are happy to answer any questions you may have, without obligation or pressure. &#8230; <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/pages\/251"}],"collection":[{"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=251"}],"version-history":[{"count":4,"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/pages\/251\/revisions"}],"predecessor-version":[{"id":856,"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=\/wp\/v2\/pages\/251\/revisions\/856"}],"wp:attachment":[{"href":"https:\/\/www.exodusfinancialllc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}