We know that the process of getting a home loan can be very stressful, so we take great pride in treating people the way we like to be treated. That’s why we do everything we can to make the process of buying or refinancing your home as easy, straightforward, and transparent as possible.
Our mortgage specialists are here to provide you with low cost mortgage solutions and the personalized service you deserve. Our technology allows us to provide our clients with top level and streamlined service throughout the entire process. This means quicker closings with less stress, and less hassles all while saving you money.
Send us your Loan Estimate to ensure you are getting your best loan.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Get an estimate of your home’s value.
Frequently Asked Questions
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.
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.
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.
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.
