Northwest Mortgage Advisors, is an affiliate of Golden Empire Mortgage, one of the most respected lenders in the mortgage industry for 30 years. We have our own underwriting authority and use our own funds to lend while pulling from over 26 Banks and Lenders, allowing us to offer competitive loan programs and interest rates. Every transaction is thought through.
Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the restidential lending industry by applying online today.
Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the restidential lending industry by applying online today.
Services
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members.
It offers some very great benefits to those that have served our country.
0% Down/100% Financing- The days of no-down-payment mortgages are gone, but not for veterans.
Most conventional home loans require 20% down, even FHA government backed home loans require 3%.
Being able to get into a home today with 0% down is a HUGE benefit.
Competitive Interest Rates- Because the VA home loan is guarantied by the government, it gives the lender a lower risk which can mean a more competitive interest rate.
It offers some very great benefits to those that have served our country.
0% Down/100% Financing- The days of no-down-payment mortgages are gone, but not for veterans.
Most conventional home loans require 20% down, even FHA government backed home loans require 3%.
Being able to get into a home today with 0% down is a HUGE benefit.
Competitive Interest Rates- Because the VA home loan is guarantied by the government, it gives the lender a lower risk which can mean a more competitive interest rate.
The pre-approval process is much more complete than pre-qualification.
For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter.
Pre-approval includes all the steps of a full approval, except for the appraisal and title search.
Pre-approval can put you in a better negotiating position, much like a cash buyer.
Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan.
Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter.
Pre-approval includes all the steps of a full approval, except for the appraisal and title search.
Pre-approval can put you in a better negotiating position, much like a cash buyer.
Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan.
Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
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