Your step-by-step guide to buying a home with confidence. Let us simplify the mortgage process for you.
From pre-approval to closing, we guide you through each step with expertise and personalized service.
Most people dream of owning their own home. Owning a home is indeed a key to long term financial security and independence. Buying a home is the single most important economic decision most people make, therefore one must be careful in selecting the appropriate mortgage lender and experienced Loan Officer to assist them.
Get started with a mortgage pre-approval to understand your budget and strengthen your offer when you find the right home.
Work with your real estate agent to find your perfect home and make a compelling offer with your pre-approval in hand.
Once your offer is accepted, we complete the full mortgage application and gather all necessary documentation.
The property is appraised to confirm its value, and our underwriters verify all information to finalize your loan approval.
We prepare all closing documents and coordinate with all parties to ensure a smooth and timely closing process.
Sign your closing documents, receive the keys to your new home, and celebrate your successful home purchase!
Getting just pre-qualified basically means you have spoken to a loan officer, provided some basic information, usually over the phone, and have gotten a basic idea of your options. Generally you have not supplied your loan officer with any supporting documentation, and no legitimate approval letters will be written.
Getting fully pre-approved means you have provided a loan officer with a full application, AND you have supplied them with your supporting documentation, like pay stubs, W2's, bank statements, etc. for review.
It is an important advantage in today's fast paced real estate market to be fully pre-approved before looking at homes, so you can make an offer right away, without having to slow down to go get pre-approved, as no home seller will accept an offer WITHOUT a pre-approval letter included.
Looking for the right mortgage program can be confusing with so many types of loans to choose from.
We recommend that home buyers don't try to figure it out themselves. We suggest letting a professional loan officer take an application, then zero in on what may be the most appropriate loan for you based on some of these considerations:
Different loan programs work to your advantage in different situations. If you're planning on staying in your home for several years a fixed loan may be best. On the other hand, if your are only going to live there a shorter period, maybe an adjustable rate with a lower initial interest rate may work more to your advantage.
Another key factor in understanding different loan programs is to be aware of the relationship between closing costs, discount points, and interest rates. The more closing costs or discount points you pay at closing means a lower interest rate. A discount point is considered prepaid interest, and is tax deductible. Each discount point is one percent of the loan amount.
Paying points on your loan can lower your interest rate but increase your upfront costs. On the other hand, we can dramatically lower your initial up-front closing costs by slightly increasing your loans interest rate. Visit our live mortgage interest rates page to see the difference between interest rates and closing costs. No obligations, and no SSN required.
Shopping for and comparing loans can be tricky. There are many programs, each with different rates and different points. What loan is right for you? We take pride in our highly experienced and licensed Loan Officer's and their ability to help you choose which loan is appropriate for your goals and needs.
We offer various loan programs to meet your specific needs and financial situation.
Traditional mortgages with flexible terms and competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans with more flexible qualification standards, lower down payments (as low as 3.5%), and easier credit requirements.
Exclusive benefits for veterans, active duty service members, and eligible spouses featuring no down payment options and competitive rates.
Program for rural homebuyers offering 100% financing with below-market interest rates for eligible properties and borrowers.
Financing for higher-value properties that exceed conventional loan limits, with competitive rates for qualified buyers.
Special programs with down payment assistance, grants and education resources tailored for first-time home buyers.
Special programs for self-employer borrowers whos tax returns might not accuratey reflect their true income.
Not everyone fits the traditional loan program. We offer many alternative loans, including asset based loans, loans for foreighn nationsls, and more.
For investment properties only, these loans let buyers qualify on the rent received on the property, not their personal income.
Get pre-approved today and take the first step toward homeownership with confidence.