Justin Jarboe

Home Loans in Worcester, MA

I'm Justin, a mortgage loan officer at Mortgage Unity helping homebuyers and homeowners in Worcester, Massachusetts. Whether you're buying your first home, exploring financing with self-employed income, or considering refinancing, I'll help you compare options and understand the costs.

How do I get started buying a home?

We'll review your income, debts, savings, and target monthly payment to explore a realistic homebuying budget. I'll help you estimate your down payment, closing costs, taxes, and insurance, and explain the documents you'll need for mortgage preapproval.

Which home loan is right for me?

I help buyers compare conventional, FHA, VA, and jumbo loans based on their qualifications, property, and financial goals. We'll review down payment requirements, mortgage insurance, and estimated monthly costs so you can understand the differences.

Can I get a mortgage with self-employed or 1099 income?

I offer financing options for self-employed borrowers and independent contractors, including bank statement and 1099 loan programs. We'll review your income and available documentation to identify options that may fit your situation.

Is refinancing worth the cost?

We'll compare your current mortgage with available refinance options, including the interest rate, monthly payment, loan term, and closing costs. I'll help you evaluate potential savings and the time needed to recover those costs, with options including conventional, jumbo, FHA streamline, and VA streamline refinancing.

Contact me to discuss your homebuying or refinancing goals. We'll review your situation and identify your next step.