Secure a home purchase loan that leverages today's great mortgage rates to make your dream home affordable! Buying a home is one of the largest financial decisions you will make and obtaining the right loan program is critical to your overall financial health. When purchasing a home, it's important that you understand the difference between a "pre-qualification" and a "pre-approval".
Getting pre-approved will. We're a winning team dedicated to making dreamscome true for the homeowners we all serve, our team members and our referral partners. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners. Everyone at United Wholesale Lending is great! This is not the first time I've refinanced with them, but this time I was able to refinance two properties start to finish in about 2.5 weeks!
The team is amazing. Communication is great and they will find you the best rates. Professional, Targeted and lightning fast. UWM stands tall as a Lender Preferred by Brokers for a reason!
Getting pre-approved will. We're a winning team dedicated to making dreamscome true for the homeowners we all serve, our team members and our referral partners. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners. Everyone at United Wholesale Lending is great! This is not the first time I've refinanced with them, but this time I was able to refinance two properties start to finish in about 2.5 weeks!
The team is amazing. Communication is great and they will find you the best rates. Professional, Targeted and lightning fast. UWM stands tall as a Lender Preferred by Brokers for a reason!
Services
UWL's success is based on a simple but effective principle: attract great people, to a great workplace, and give them the tools they need to do great work.
We're a winning team dedicated to making dreams come true for our team members, our referral partners, and the homeowners we all serve.
We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners.
Some companies have mottos.
We have six pillars.
Deep foundational beliefs that drive decisions big and small - and steer the kind of personal and professional growth that accelerates careers.
We're a winning team dedicated to making dreams come true for our team members, our referral partners, and the homeowners we all serve.
We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners.
Some companies have mottos.
We have six pillars.
Deep foundational beliefs that drive decisions big and small - and steer the kind of personal and professional growth that accelerates careers.
Fixed-Rate loans are the most popular type of mortgage loan because the loan is based on an interest rate and monthly Principle / Interest payment that does not change over time.
The property taxes and insurance costs may fluctuate, but many borrowers find fixed-rate home loans to be the best mortgage for their needs because they can create a budget and rely on a steady payment.
Most company's offer fixed-rate mortgages in terms of 15 or 30-years, however, you can ask for alternatives such as 10 or 20 year terms.
The property taxes and insurance costs may fluctuate, but many borrowers find fixed-rate home loans to be the best mortgage for their needs because they can create a budget and rely on a steady payment.
Most company's offer fixed-rate mortgages in terms of 15 or 30-years, however, you can ask for alternatives such as 10 or 20 year terms.
When shopping for a home, you want to represent yourself and your offer in the most favorable position as possible.
Most lenders will simply run your credit and gather some information so that they can provide you with a pre-qualification letter.
This pre-qualification letter does NOT secure your financing - it's a preliminary approval subject to the verification of your assets and credit.
A pre-qualification letter will not give you the leverage you need to get your offer accepted.
At Big Valley Mortgage, we "by-pass" the pre-qualification step and actually process your loan application.
Most lenders will simply run your credit and gather some information so that they can provide you with a pre-qualification letter.
This pre-qualification letter does NOT secure your financing - it's a preliminary approval subject to the verification of your assets and credit.
A pre-qualification letter will not give you the leverage you need to get your offer accepted.
At Big Valley Mortgage, we "by-pass" the pre-qualification step and actually process your loan application.
The first step in securing a home loan is to fill out a loan application.
Depending on what works best for you, you can either complete the application online or meet face-to-face with one of our loan officers.
Once the application is completed, the loan officer will discuss your overall financial goals and then provide you with loan program options.
Your loan program options are determined by many variables including home affordability, income, credit and assets.
The loan officer's goal is to clearly document your financial qualifications for the loan which you have applied.
Depending on what works best for you, you can either complete the application online or meet face-to-face with one of our loan officers.
Once the application is completed, the loan officer will discuss your overall financial goals and then provide you with loan program options.
Your loan program options are determined by many variables including home affordability, income, credit and assets.
The loan officer's goal is to clearly document your financial qualifications for the loan which you have applied.
An ARM loan must specify a specific time at which the interest rate may change.
The adjustment period may be one year, three years, five years, or some other period.
A three-year or five-year ARM loan usually offers the lower interest rate for the first period of adjustment and then converts to a one-year adjustable.
The loan is still considered to be a 15- or 30-year loan.
An index is a measure of economic conditions.
Indexes include U.S. Treasury securities, the Cost of Funds Index (COFI), the Federal Home Loan Bank average and LIBOR (The London bank-rate).
The adjustment period may be one year, three years, five years, or some other period.
A three-year or five-year ARM loan usually offers the lower interest rate for the first period of adjustment and then converts to a one-year adjustable.
The loan is still considered to be a 15- or 30-year loan.
An index is a measure of economic conditions.
Indexes include U.S. Treasury securities, the Cost of Funds Index (COFI), the Federal Home Loan Bank average and LIBOR (The London bank-rate).
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