I will treat you with the respect due an esteemed customer and give you the personal service you deserve. I understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So I make a commitment to you: to help you qualify, apply and be approved for the ideal mortgage for you.
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Since we live in a computer-driven society, it should come as no surprise that your creditworthiness boils down to a single number.
This score is built by credit agencies.
These agencies use the payment history from all of your loans: credit cards, mortgages, car/boat loans and the like.
All three major credit reporting agencies (Equifax, Experian and TransUnion) use a slightly different system to arrive at a score.
The original FICO score was developed by Fair Isaac and Company.
While Experian still calls its score "FICO", TransUnion calls its score "Beacon" and Equifax uses "Empirica."
This score is built by credit agencies.
These agencies use the payment history from all of your loans: credit cards, mortgages, car/boat loans and the like.
All three major credit reporting agencies (Equifax, Experian and TransUnion) use a slightly different system to arrive at a score.
The original FICO score was developed by Fair Isaac and Company.
While Experian still calls its score "FICO", TransUnion calls its score "Beacon" and Equifax uses "Empirica."
It can be helpful to visit with a mortgage loan pro first, even before you've determined what type of home you hope to find.
Why?
It may be hard to understand the ways in which we can help even before you start to talk about prices and negotiations.
When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for.
During this process, we explore your capacity to borrow - reviewing your job, money available for down payment, debts, income, and other circumstances.
Why?
It may be hard to understand the ways in which we can help even before you start to talk about prices and negotiations.
When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for.
During this process, we explore your capacity to borrow - reviewing your job, money available for down payment, debts, income, and other circumstances.
No doubt, quite a lot to do when you get a mortgage.
You would not be researching mortgage loans if it were possible to get a loan in one day with a simple application.
We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
How much of a monthly payment can you afford?
What is the maximum you can borrow from a lender, given your income and credit history?
Use the calculators on our website to determine your monthly payment amount.
You would not be researching mortgage loans if it were possible to get a loan in one day with a simple application.
We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
How much of a monthly payment can you afford?
What is the maximum you can borrow from a lender, given your income and credit history?
Use the calculators on our website to determine your monthly payment amount.
We should say that "working with us" is the first way!
When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly.
1. Have everything ready and in one place.
Elsewhere on our website, you'll find a list of things you might need in support of your mortgage application.
If you get them all together and keep them in a safe, portable place like a special pouch or folder, you can cut down on time spent rooting around for things we may need.
When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly.
1. Have everything ready and in one place.
Elsewhere on our website, you'll find a list of things you might need in support of your mortgage application.
If you get them all together and keep them in a safe, portable place like a special pouch or folder, you can cut down on time spent rooting around for things we may need.
A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts.
The lender uses this step to determine your qualifications as a borrower.
Documenting that the down payment comes from your savings and that you will have savings and/or assets over and above the down payment gives the lender confidence in your strength as a borrower and your ability to repay the loan.
Take extra care to document the sources for any monies to be used for the down payment or closing costs.
The lender uses this step to determine your qualifications as a borrower.
Documenting that the down payment comes from your savings and that you will have savings and/or assets over and above the down payment gives the lender confidence in your strength as a borrower and your ability to repay the loan.
Take extra care to document the sources for any monies to be used for the down payment or closing costs.
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