Shelby McDaniels | Source | Managing Director of Specialty Sales and Business Development at Chase Home L...

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Shelby McDaniels

Managing Director of Specialty Sales and Business Development at Chase Home Lending
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  • Expert Mortgage Tips: Navigating Home Buying with Confidence
    Shelby advises working with a home lending advisor to determine your budget and get pre-approved. "Pre-approval helps avoid heartache by ensuring affordability." Consider loan term, interest rate type, and additional costs like taxes and insurance. A 30-year mortgage offers lower monthly payments but higher interest over time.
  • 15-Year Mortgages: Quick Equity vs. High Payments
    Shelby notes, “A 15-year mortgage allows you to pay off your mortgage in half the usual time.” While offering lower interest rates, it demands higher monthly payments, which may strain finances during unexpected events. Ideal for those aiming to pay off debts quickly or planning early retirement, these loans require careful consideration of potential financial impacts.
  • Choosing the Right Mortgage: Expert Insights from Chase Home Lending
    Shelby explains, “A 15-year mortgage builds equity faster and has lower overall interest but higher monthly payments. A 30-year mortgage offers lower monthly payments and flexibility but accrues more interest over time.” For those unsure, she suggests a 30-year mortgage with bi-monthly payments to balance payoff time and flexibility.
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  • The least risky type of account is a savings account. They are highly insured. It is simple to link a checking or direct deposit to the account, and most do not have any restrictions on timing.

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