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Discover your Modern Mortgage Solution enhanced by World Class Communication for your home loan. With over 20 years experience every transaction is cared for with compassion, dedication, and professionalism when working with Victor Bals Team of Highlands Residential Mortgage.

Recent Posts


You’ve probably even heard me say “historically low rates” before. Now, a weekly industry survey by Freddie Mac, the government-sponsored mortgage enterprise, is reporting an average 2.98% on a

Monday Mortgage Myth – Applying for a Home Loan will Hurt your Credit

Hello and Happy Monday! A common misperception in the mortgage process; Applying for a home loan

New House Savings with New Construction

If you’re trying to decide between a brand new home or one that’s new to you, think about this: N

Monday’s Mortgage Myth | Pre-qualification vs. Pre-approval

HAPPY MONDAY! Many assume a PRE-QUALIFICATION is the same or as good as a PRE-APPROVAL. This is a

Forbearance may Hurt Millions of home owners – COVID-19 Guidance Update 05/06/2020

Good afternoon, I wanted to take a moment and update everyone on the new mortgage guidelines that go