P: 302.897.8558

F: 855.861.4055

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MY AREAS OF EXPERTISE

LEARN MORE ABOUT MY SERVICES

Contract Negotiations

REFINANCING

Whether you need help negotiating a mortgage or buying a new home, The Real Estate Tool Box can manage all your mortgage needs. My Refinancing services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together— contact me and find how my Refinancing services can help.

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MORTGAGE PRE-APPROVAL?
GET YOUR'S NOW! 

Whether you’re buying your first home or looking for a new investment property, there’s lots of stress and complications involved in mortgages and financing. That’s where I come in. I help my clients with all their Mortgage Pre-Approval needs so they can enjoy the fun and excitement of purchasing real estate.

Asian Woman Writer

NEED A SECOND OPINION?

Purchasing a home is the Biggest Financial decision most people will make in their lifetime.  
Don't you want to make sure the Loan you are getting is the "Best for You?"  To find out click below.  No hard selling - just honest numbers.

 

DOWNLOAD CHRIS' APP!!

>>USE MY ADVANCED TOOLS FOR YOUR SUCCESS<<

HOME BUYERS

Buying a home can sometime be "bewildering." Especially for the First Time Home Buyer.  To help clear the fog, download this Valuable Application to your SmartPhone so you can Check your Credit, Calculate payments While Touring Properties and Get your Pre-Approval Letter all at the Touch of a Finger.


REAL ESTATE PROFESSIONALS

Today more than ever Realtors and their teams must be on the cutting edge of technology to keep with the pace of business.  Hesitate and your prospect has moved on.  With Chris' App, not only will you be able to quote "Real Time" Rates & Payments, but once your prospect is in Contract, you will be able to track their mortgage progress right up to the Settlement Table and each communication from Chris' will Co-Brand you to keep YOU in Top-of-Mind of that Buyer.  Chris Partners with Top Agents in his Market and Provides many Home Buyer Leads and referrals to his Realtor Partners.  If you wish to work with a Mortgage Consultant that sends business your way and not just asking you for business, Chis is Your

 

ALL ABOUT CHRIS

YOUR MORTGAGE ADVISOR

I Truly enjoy helping people people buy their homes.  It is one of the Biggest Decisions most people will make in a lifetime and I get to be an integral part of it. You do not want this decision to be a bad one.  Having worked in the Mortgage Industry since 1997, I have seen the highs & lows experienced by homeowners and I have worked through the many financing options and hurdles for the thousands of clients I have helped achieve their goal of Home Ownership.

I believe in an informed approach in all aspects of assisting individuals and their families in purchasing a home.  From me you are going to get the Facts and the Truth regardless of whether these help or hurt.  You are going to get the real story from me.

So, if you want to get sold and hear that everything is butterflies and cupcakes, Call my competition. 

If you want the straight scoop and truth about your home purchase, Give me a call.

Chris Rowe NMLS-143755

 

GET IN TOUCH

There’s a lot of information to digest when purchasing your new home or refinancing a mortgage. My focus is to hold your hand through the entire process to ensure a successful Event & Happy You!. I’m happy to discuss your needs.

 

CLIENT & REALTOR TESTIMONIALS

THE WORD ON THE STREET

"Chris was a magician with the numbers. He explained different loans to me and found the best type of loan to suit my financial needs. I had limited funds to work with and somehow....a bra ca dabra..I got a loan with a payment right where I needed to be. He was always available when questions came up. He was very patient through the process"

Cindi Spencer, In Touch Massage

"Chris Rowe was our mortgage consultant during our process of buying our first home. My husband and I were extremely nervous with purchasing our first home, but Chris made us feel so comfortable. He was extremely organized, thorough, professional, and kind, which made all of the difference in this process. We put all of trust in Chris and he came through for us. Chris made the process stress free and held our hands though the whole process. Chris was always available to answer our questions and explained things to us in the simplest way possible. Chris is amazing and I loved how he treated us like family rather than just customers. I always recommend him to everyone who is looking to buy a new home. I am truly thankful to have had Chris during this process, which could have been a stressful one if it was not for him."

Ashley Doyle, Wilmington

From the first conversation Chris puts you at ease because you know that you are dealing with a seasoned professional.  He kept me updated throughout my buyer's loan process and when things got a little bumpy(through no fault of his own) he made the tough call to the listing agent to explain the situation so that I didn't have to!  He applied his skills to correct the problem and got the loan closed with only a slight delay.  I will definitely recommend  Chris to my future buyer clients.

KC DiAmbrosio, REMAX Sunvest Realty

"I truly enjoyed working with Mr. Chris Rowe during my recent real estate settlement. He handled everything quickly and professionally. I will definitely recommend him again to future clients in need of financing.

Judy Mangini, Realtor

"From the beginning when I began working with Chris he had a manner that was confident & assuring to me and to my Home Buying Clients. He simply knows the Mortgage Business. He respects my business and how important it is to me and I find it so reassuring that he knows well most of the professionals working in the DE, PA, MD Real Estate Industry and is well respected by all.  A seasoned professional, honest and straight to almost a fault, Chris will ensure your home purchase is accomplished in a prompt and accurate manner.  I am very happy to recommend Chris for my homebuyers!”

Mary Beth Adelman, Realtor

“When my wife and I wanted to start house shopping again we were a little hesitant because we did not have a lot of cash readily available for a down payment and closing. After reaching out to Chris Rowe to review our options, we narrowed our search for homes specifically within the USDA Rural Program’s limits and learned that we could even ask sellers for closing help. Once we found a house that we loved, the Acopia phone app and website made it quick and easy to submit all of the necessary documents to Chris. With the ability to track our loan application in real time and sign documents electronically, the experience could not have been more transparent or efficient. Chris and his team were professional and always available to answer any questions. The entire process was seamless from beginning to end and superseded all of our expectations.  I would highly recommend Chris Rowe and his team at Acopia for anyone looking for a great home buying experience!”

Ryan & Brittany Yoder

 

LOAN TYPES

SECURE YOUR BEST MORTGAGE

PURCHASE MONEY MORTGAGE

The Right Loan for You?

It’s easy to get lost while navigating all the different types of mortgage loans available. A Fixed Rate Mortgage could be the right one for you, but it’s important that home buyers understand all implications before signing something they could later regret. Contact me now in order to discuss the benefits and disadvantages, and together we’ll decide whether this is the right mortgage for you.

DOWN PAYMENT ASSISTANCE

You Can Get Help for You Down Payment!

In many instances every aspect of your Home Buying abilities is good, but you simply have not been able to save enough for a decent down payment. I work with a number of government agencies and know the landscape to help you get approved for your Down Payment and Home Loan.

RENOVATION LOANS

Make That Home Your Castle

One of the greatest loan programs around today is the Renovation Loan.  FHA has the 203K Renovation Loan and Fannie Mae has the Conventional HomeStyle Loan.  These loan programs are very similar but having an inexperienced Loan Officer try to write one can be a disaster.  Let me Lead you to a Successful Renovation.

Not sure what type of loan is right for you and your financial needs? Feel free to call me at 302-897-8558 today for more information. 
All Consultations are free.

 
 

TUTOR VIDEO TOOL BOX

BE AN INFORMED CONSUMER

 

TIPS TO RAISE YOUR CREDIT SCORE

Easy and Convenient

The Key to opening the door to Mortgage Qualifying is Your Credit Profile.  This 5 minute video Covers 5 Steps to get your credit and score to where you need it to be.

CREDIT SCORES

Credit Scores Can Be Confusing

The Simple truth of credit scoring is that it is just lines of code that, when a credit files is run through it, provides a 3 digit score to give the Mortgage Company an idea of "Risk to Lend" to each applicant.

FIRST TIME BUYER?

5 Steps You'll Need to Do!

Not everyone fits into the same mold in life. The Job we do here is to find the right Mortgage Loan Mold for You!  It may take some time & we may need to tweak some items on you credit or income.  But, we will do what we can to get you into a Home.

FIRST TIME BUYING TIPS

Ask Chris what To Do!

Be Smart if you are going to choose to buy your first home. This short video gives you Good Easy Ideas on what to do first.  Every Friend & Family Member has advice for you and Unfortunately, most of it is DEAD WRONG!

THE FHA HOME LOAN.

Why is this loan so Popular?

The FHA Loan is a Loan Program designed by the Federal Housing Administration which is a Department of HUD.  This loan program is designed to help First Time Home Buyers with low down payment options and also to help those who may have had credit issues from past life experiences.

THE USDA 100% LOAN

More Ways to Save

The USDA Rural Home Loan provides the Buyer 100% Financing of the Purchase price of the home.  There are income and geographical Eligibility requirements that must be met in addition to the typical Mortgage Programs.  But it is the Best Loan Program for funding your home purchase if you are not a Veteran.

THE VA LOAN PROGRAM.

Honoring our Heroes

The Veterans Administration Home Loan is a "Benefit" provided to those who have served in the military, Coast Guard or National Guard.  As a Veteran Myself I am honored to help my brothers & Sisters who served with me the very best in home financing available.