Education – Experience – Strategy – Trust
The key to our success is organization, planning and execution, resulting in a customer experienced that cannot be matched. We take pride in being your trusted and long term wealth advisor when it comes to your property.
We are committed to providing you with various financing options to meet your present and future financing goals. This presentation will be easy to understand and detailed enough to help you make the decision that is best for you. Whether you are an experienced real estate investor, a first time homebuyer, or anything in between, a Total Cost Analysis is an absolute must! What’s a Total Cost Analysis? It’s another way we go above and beyond for our clients. Contact us today to learn more!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Please check out our 27 educational articles we put together..
As an education based mortgage company we strive to provide helpful information.
Visit our learning center to learn some great tips about buying a home.
A Step-by-Step Guide to Shopping for a New Home
Whether this is your first or tenth home purchase, shopping for a new home is an exciting time. It can…
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Frequently Asked Questions
For your initial pre-qualification we’ll ask questions about your income, assets, credit history and employment. In addition, you will be required to pay a minimal fee to cover the cost of your credit report so that we can verify your credit history.
Once you start the application process we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs and documents pertaining to other personally owned real estate. You’ll receive notification in writing of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.
No! Getting started before you find a home may be the best thing you could do!
If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
- Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
- Real estate is marketable.
- You can make your own decisions about design and décor.
- You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
- You have control over the piece of property. You are not answering to a landlord.
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Qualification Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-qualification is an essential tool when house shopping, because it…
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s, you can always contact us and we’ll respond asap.
