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It prevents lenders from adve","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-06-13T18:37:12.444175+00:00","updated_at":"2026-06-28T08:58:45.1+00:00","faq":[{"answer":"It's ​generally ​a ‍good ​time ​to ‍refinance ‍when ‍mortgage ​rates ‍are ‍2% ​lower ​than ​the ‍current ​rate ​on ​your ‍loan. ​It ‍may ​be ​a ‍viable ​option ‍even ​if ‍the ​interest ‍rate ‍difference ‍is ​only ​1% ​or ‍less. ‍Any ‍reduction ‍can ‍trim ‍your ​monthly ‍mortgage ​payments. ‍Example: ​Your ‍payment, ​excluding ​taxes ​and ‍insurance, ​would ​be ‍about ‍$770 ‍on ​a ‍$100,000 ‍loan ​at ​8.5%; ​if ‍the ​rate ​were ​lowered ‍to ​7.5%, ‍your ​payment ​would ‍then ​be ‍$700, ​now ‍you're ​saving ‍$70 ‍per ‍month. ​Your ​savings ​depends ‍on ‍your ‍income, ‍budget, ‍loan ‍a","category":"general","question":"When should I refinance?"},{"answer":"A ​point ​is ‍a ​percentage ​of ‍the ‍loan ‍amount, ​or ‍1-point ‍= ​1% ​of ​the ‍loan, ​so ​one ​point ‍on ​a ‍$100,000 ​loan ​is ‍$1,000. ​Points ‍are ​costs ‍that ​need ‍to ‍be ‍paid ​to ​a ​lender ‍to ‍get ‍mortgage ‍financing ‍under ‍specified ​terms. ‍Discount ​points ‍are ​fees ‍used ​to ​lower ​the ‍interest ​rate ​on ‍a ‍mortgage ‍loan ​by ‍paying ‍some ​of ​this ​interest ‍up-front. ​Lenders ​may ​refer ‍to ​costs ‍in ​terms ​of ‍basic ​points ‍in ​hundredths ‍of ​a ‍percent, ‍100 ‍basis ​points ​= ​1 ‍point, ‍or ‍1% ‍of ‍the ‍loan ​amount.","category":"general","question":"What are points?"},{"answer":"Yes, ​if ​you ‍plan ​to ​stay ‍in ‍the ‍property ​for ‍a ‍least ​a ​few ​years. ‍Paying ​discount ​points ​to ‍lower ​the ‍loan's ​interest ​rate ‍is ​a ‍good ​way ‍to ​lower ‍your ‍required ‍monthly ​loan ​payment, ​and ‍possibly ‍increase ‍the ‍loan ‍amount ‍that ​you ‍can ​afford ‍to ​borrow. ‍However, ​if ​you ​plan ‍to ​stay ​in ‍the ‍property ‍for ​only ‍a ‍year ​or ​two, ​your ‍monthly ​savings ​may ​not ‍be ​enough ‍to ​recoup ​the ‍cost ​of ‍the ​discount ‍points ​that ‍you ‍paid ‍up-front.","category":"general","question":"Should I pay points to lower my interest rate?"},{"answer":"The ​annual ​percentage ‍rate ​(APR) ​is ‍an ‍interest ‍rate ​reflecting ‍the ‍cost ​of ​a ​mortgage ‍as ​a ​yearly ​rate. ‍This ​rate ‍is ​likely ​to ‍be ​higher ‍than ​the ‍stated ​note ‍rate ‍or ‍advertised ​rate ​on ​the ‍mortgage, ‍because ‍it ‍takes ‍into ‍account ​points ‍and ​other ‍credit ​costs. ‍The ​APR ​allows ​homebuyers ‍to ​compare ​different ‍types ‍of ‍mortgages ​based ‍on ‍the ​annual ​cost ​for ‍each ​loan. ​The ​APR ‍is ​designed ‍to ​measure ​the ‍\"true ​cost ‍of ​a ‍loan.\" ​It ‍creates ‍a ‍level ​playing ​field ​for ‍lenders. ‍It ‍prevents ‍lenders ‍from ‍adve","category":"general","question":"What is an APR?"}],"country":"United States","og_image_url":"https://di1v4rx98wr59.cloudfront.net/3fb248841de62/9384251c06a7abed2937fcc1a3ec7cf56349e066.png","industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in Gilmer — Personalized mortgage consultation","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"Gilmer","region":"Texas","street":"111 N Trinity St, Gilmer, TX 75644","country":"US","postal_code":"75644"},"geo_coordinates":{"lat":32.729281,"lng":-94.945994},"service_areas":["Gilmer"],"phone":"+19033481783","hours_by_day":[{"day":"monday","open":"09:00","close":"17:00"},{"day":"tuesday","open":"09:00","close":"17:00"},{"day":"wednesday","open":"09:00","close":"17:00"},{"day":"thursday","open":"09:00","close":"17:00"},{"day":"friday","open":"09:00","close":"17:00"},{"day":"saturday","open":"00:00","close":"00:00","is_closed":true},{"day":"sunday","open":"00:00","close":"00:00","is_closed":true}],"price_range":null,"review_summary":{"sources":[{"count":23,"rating":5,"platform":"google"},{"count":17,"rating":5,"platform":"reviews.birdeye.com"}],"total_count":40,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":23},"average_rating":5,"weighted_reputation_score":4.42},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Personalized mortgage solutions","Guidance through the loan process","Assistance with various loan programs"],"differentiators":[],"social_profiles":[{"url":"https://www.facebook.com/bluejmortgage","platform":"facebook"},{"url":"https://www.instagram.com/blue_j_mortgage/","platform":"instagram"},{"url":"https://www.youtube.com/@BlueJMortgage","platform":"youtube"},{"url":"https://www.tiktok.com/@bluejmortgagellc","platform":"tiktok"}],"citations":[],"last_verified_at":"2026-06-13T18:37:12.366+00:00","data_sources":["Website Scan","Social Media Profiles","AI Content Analysis"],"languages_supported":["lang=\"en\"","en"],"profile_language":"en","ai_readability_score":50,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"A Gilmer mortgage broker, Blue J Mortgage specializes in FHA, VA, and Conventional Loans. 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