This is How We Do It

Navigating the process of applying for and obtaining a mortgage can be tricky. Since so many mortgage types are federally sponsored and governed, it can seem like the rules are constantly changing. Taking an informed and strategic approach to hopping for a mortgage is important, but unless you’re a financial professional, going from the mortgage application to closing on the property you’ve chosen can be daunting at best.

The steps are:

It’s important to understand that the costs of home ownership go beyond the asking price of the house. In addition to the monthly mortgage payment, you are also responsible for homeowner’s insurance, maintenance, property taxes, utility bills, homeowners’ association fees, and more. When you’re considering purchasing a property, it’s important that you consider all of those costs to ensure that you’re not purchasing more house than you can afford.

Our team of mortgage professionals will take a look at your current financial position to help you understand how much money you can borrow in the form of a mortgage. We will work with you to take a look at your current income, your outstanding debts (debt to income ratio), your credit score, and other financial factors to prequalify you for a mortgage. This prequalification number helps you identify what your monthly mortgage payment will be, giving you even more information to use when you’re shopping for homes.

You don’t formally apply for a mortgage until you’ve made an offer and had it accepted on a property. While some lenders make the application process a lengthy one that includes a myriad of complex forums, that’s not how we operate. We know the process of purchasing a home, moving, and dealing with all of the other aspects is stressful enough.

There’s no need for your application process to be stressful as well. Our straightforward mortgage application takes a streamlined approach that is designed to ensure that you’re able to quickly apply for a mortgage and receive the funds you need.

The final step of the process isn’t even your responsibility at all. Instead, we handle the most important part of the process by providing you with the funds that you need to get moved into your new home and start making the memories that will last a lifetime.

The process of applying for and obtaining a mortgage shouldn’t be a complex, stressful one. That’s why we have created a client-friendly process that puts your wants and needs at the forefront.

Contact us today to find out more about our mortgage application process.