As part of the Federal Fair and Accurate Credit Transactions (FACT) Act, residents of the United States are eligible for 1 FREE copy of their credit report from each of the 3 national credit reporting agencies every 12 months at AnnualCreditReport.com website ABSOLUTELY FREE!. Making your homeownership dream come true is our ultimate goal. With over 30 years in home mortgage funding business, we continue to strive to offer you competitive interest rates and make your loan processing easier.
With UNITED FUNDING, you can be sure to have a great and hassle free home mortgage funding process. Disclaimer: This is a self-help tool for your independent use and it is not intended to provide investment advice. I cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. I encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
With UNITED FUNDING, you can be sure to have a great and hassle free home mortgage funding process. Disclaimer: This is a self-help tool for your independent use and it is not intended to provide investment advice. I cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. I encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Whether you're applying for a mortgage to buy a new home, purchase an investment home, renovate your current home, or refinance a home, United Funding makes the home loan process simple.
You can apply online quickly and easily.
Our home loan experts are also available to walk you through the application process, and will be your trusted advisor every step of the way.
When starting the mortgage loan process, your United Funding Loan Officer will help you analyze your current financial situation, your short- and long-term goals, and other factors to help you find the most affordable loan.
You can apply online quickly and easily.
Our home loan experts are also available to walk you through the application process, and will be your trusted advisor every step of the way.
When starting the mortgage loan process, your United Funding Loan Officer will help you analyze your current financial situation, your short- and long-term goals, and other factors to help you find the most affordable loan.
Getting prequalified for your home is a very good idea.
It?s a simple, initial step you can take before starting the formal loan process.
It?s not required, but it will save you a lot of time and hassle once you?re ready to buy and start looking for a home.
Prequalification gives you an estimate of how big of a loan, and what interest rate, you might qualify for, as well as your potential monthly payments.
The information you get will be based on an informal conversation you have with a United Funding Loan Officer.
It?s a simple, initial step you can take before starting the formal loan process.
It?s not required, but it will save you a lot of time and hassle once you?re ready to buy and start looking for a home.
Prequalification gives you an estimate of how big of a loan, and what interest rate, you might qualify for, as well as your potential monthly payments.
The information you get will be based on an informal conversation you have with a United Funding Loan Officer.
When you?re ready to start searching for homes, make a list of the features you want.
Decide what part of town you want to live in.
Pay attention to what you want, compared to what you need.
If you work with a real estate professional this will help them narrow the search to find homes for you to look at quicker.
Does the neighborhood offer the amenities important to you like shopping, recreation and other services?.
Are you looking for a single-family home, a condominium or a townhouse?
Even these very different types of homes will have wide variety of options when it comes to space and design.
Decide what part of town you want to live in.
Pay attention to what you want, compared to what you need.
If you work with a real estate professional this will help them narrow the search to find homes for you to look at quicker.
Does the neighborhood offer the amenities important to you like shopping, recreation and other services?.
Are you looking for a single-family home, a condominium or a townhouse?
Even these very different types of homes will have wide variety of options when it comes to space and design.
When you're ready to make an offer and purchase your home, expect some negotiations until you reach a final price the seller is willing to accept.
It's a good idea to work with a real estate professional to conduct the negotiations, be your advocate and serve as a trusted advisor.
Make sure the seller knows you're prequalified, which will make your offer more attractive.
You'll need to make an earnest money deposit.
Typically 1-2% of purchase price, and varies by state.
This deposit shows the seller your offers is serious and made in good faith.
It's a good idea to work with a real estate professional to conduct the negotiations, be your advocate and serve as a trusted advisor.
Make sure the seller knows you're prequalified, which will make your offer more attractive.
You'll need to make an earnest money deposit.
Typically 1-2% of purchase price, and varies by state.
This deposit shows the seller your offers is serious and made in good faith.
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