My team can give you the individual attention you deserve and ensure a smooth and successful closing. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you. Using our online loan application, you can take your time and complete your application whenever it's convenient for you.
And, you can always save your work and come back and complete it later if you need to. We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
We can even help you pay down your balance more quickly for a comparable monthly payment.
And, you can always save your work and come back and complete it later if you need to. We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
We can even help you pay down your balance more quickly for a comparable monthly payment.
Services
When you're looking to get a mortgage loan, you may work with a loan officer or you may choose to work with a mortgage broker.
People often confuse the two job types even though both will glean the same results: a new home.
However, it is important to understand the difference between the two types of jobs so you know what to expect from them during the mortgage application process.
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan.
People often confuse the two job types even though both will glean the same results: a new home.
However, it is important to understand the difference between the two types of jobs so you know what to expect from them during the mortgage application process.
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan.
There's quite a lot to do when you get a mortgage loan.
You wouldn't be looking up loan information if you could get a mortgage loan in one day by filling out a simple application.
But Creative Financial does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
A couple of factors determine this amount.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
You wouldn't be looking up loan information if you could get a mortgage loan in one day by filling out a simple application.
But Creative Financial does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
A couple of factors determine this amount.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
Anything you submit over our website is 100 percent, fully secure.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.
With the thrill that comes with an accepted offer and a "yes" from the lender, many homebuyers make the mistake of taking their enthusiasm straight to the mall or furniture store.
Keep in mind that until closing, your lender is watching your accounts very closely.
Here are some actions to refrain from during the home buying process to assure your transaction goes smoothly.
Don't make expensive purchases.
Although you may be dreaming of ways to turn your new house into a castle, avoid major purchases like appliances, electronics, or expensive furnishings.
Keep in mind that until closing, your lender is watching your accounts very closely.
Here are some actions to refrain from during the home buying process to assure your transaction goes smoothly.
Don't make expensive purchases.
Although you may be dreaming of ways to turn your new house into a castle, avoid major purchases like appliances, electronics, or expensive furnishings.
Even if you've not so much as researched houses to view yet, it's important to contact your mortgage pro first.
Why?
It may be difficult to fathom how we can help even before you start to calculate your offer.
When we pre-qualify you, we help you figure out the amount in monthly payments you can afford, and how much we of a loan you can qualify for.
We will accomplish this by considering your debts and income, your work and housing circumstances, your funds available for down payment, required reserves, and other considerations.
Why?
It may be difficult to fathom how we can help even before you start to calculate your offer.
When we pre-qualify you, we help you figure out the amount in monthly payments you can afford, and how much we of a loan you can qualify for.
We will accomplish this by considering your debts and income, your work and housing circumstances, your funds available for down payment, required reserves, and other considerations.
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