Personalized Mortgage Advice for

Whether you're thinking about buying your first home, looking to sell your home, or exploring refinancing options, I offer free, no-obligation mortgage consultations to help you make informed decisions about real estate.

What We'll Discuss in Your Consultation

  • Your Financial Goals - Understanding what you want to achieve
  • Current Market Conditions - real estate trends and opportunities
  • Loan Options - Which programs best fit your situation
  • Budget Analysis - What you can afford and how to maximize your buying power
  • Timeline Planning - Creating a realistic roadmap to homeownership
  • Credit Review - Ways to improve your credit for better rates
  • Down Payment Strategy - Saving strategies and assistance programs

Who Benefits from a Mortgage Consultation?

First-Time Home Buyers

New to buying real estate? I'll walk you through every step of the mortgage process, explain terminology, and help you understand what to expect.

  • Understanding the home buying process
  • First-time buyer programs
  • How to work with real estate agents
  • Building your home buying team

Homeowners Considering Refinancing

Not sure if refinancing makes sense? We'll run the numbers and show you exactly how much you could save.

  • Break-even analysis
  • Rate comparison
  • Cash-out options
  • When to refinance vs. wait

Homeowners Planning to Sell

Thinking about selling? I can help you understand your equity position, payoff amounts, and how to use proceeds for your next purchase.

  • Current loan payoff analysis
  • Equity calculation
  • Buying before selling strategies
  • Bridge loan options
  • Connections to trusted real estate agents

Real Estate Investors

Looking to buy houses for investment? I specialize in investment property financing and can help grow your portfolio.

  • Investment property loans
  • Multi-family financing
  • Cash-out refinance for investments
  • Portfolio lending strategies

Those Exploring Options

Not ready to commit yet? That's okay! Sometimes you just need expert advice to understand your options.

  • Market timing advice
  • Long-term financial planning
  • Credit improvement strategies
  • Saving for down payment goals

What to Expect During Your Consultation

Your free consultation is relaxed, informative, and completely confidential. Here's how it works:

  1. Schedule Your Call

    Choose a time that works for you - phone, video call, or in-person at my office.

  2. Share Your Situation

    Tell me about your goals, timeline, and any questions or concerns you have.

  3. Receive Expert Guidance

    I'll provide honest, straightforward advice based on your unique situation and current market conditions.

  4. Explore Your Options

    We'll review different scenarios and loan programs to find the best fit.

  5. Create an Action Plan

    Leave with clear next steps, whether that's starting an application or waiting for better timing.

Common Consultation Topics

For Buyers:

  • "How much home can I afford?"
  • "What credit score do I need?"
  • "How much should I save for a down payment?"
  • "Should I buy now or wait?"
  • "What neighborhoods in fit my budget?"
  • "How do I find a real estate agent I can trust?"

For Sellers:

  • "Should I sell my home now or later?"
  • "How much equity do I have?"
  • "Can I buy before I sell?"
  • "What are my closing costs?"
  • "How do cash offers work?"

For Refinancers:

  • "Is now a good time to refinance?"
  • "How much will I save?"
  • "Should I do a cash-out refinance?"
  • "What's my break-even point?"

Why Consult with Jack Gilmore?

  • Local Expertise - Deep knowledge of real estate and lending
  • No Pressure - Honest advice, even if it means waiting isn't right now
  • Comprehensive Options - Access to multiple loan programs and lenders
  • Proven Track Record - Years of helping residents achieve their goals
  • Personalized Service - Every consultation is tailored to your situation
  • Free & Confidential - No cost, no obligation, completely private

Real Estate Agent Referrals

Need a great real estate agent? I work with the best real estate agents and can connect you with experienced professionals who know your target area and work style. Whether you're buying or looking to sell houses, I'll help you find a real estate agent who's the right fit.

Virtual & In-Person Consultations Available

Your consultation can be conducted in whatever format is most convenient:

  • Phone Consultation - Quick and convenient
  • Video Call - Face-to-face from anywhere
  • In-Person Meeting - Visit my office
  • Evening/Weekend - Flexible scheduling available

Schedule Your Free Consultation Today

Get expert mortgage advice with no pressure, no cost, and no obligation. Let's discuss your real estate goals!

Schedule Consultation Call (401) 678-1511

Frequently Asked Questions

Is the consultation really free?

Yes! Absolutely no cost and no obligation. It's simply a chance for us to discuss your goals and see if I can help.

How long does a consultation take?

Most consultations last 30-45 minutes, but I'm happy to spend more time if needed. We'll go at your pace.

Do I need to bring documents?

Not for an initial consultation! We can have a productive discussion without any paperwork. If you decide to move forward, I'll let you know what documents we'll need.

Will you check my credit?

Not during the consultation. Credit checks only happen if you decide to apply for a loan, and only with your permission.

What if I'm not ready to buy or refinance yet?

Perfect! Many of my best clients started with a consultation months or even a year before they were ready. I'll help you create a plan to get where you want to be.