The Brad Crowell Team
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The Brad Crowell Team
The Brad Crowell Mortgage Team NMLS #79563 - Your trusted partner in the mortgage industry. Close your loan on time - Learn more about our loan process for a smooth, on-schedule closing. Working as a mortgage originator since 2005, Brad's work ethic and dedication to his clients and partners are why he has found so much success in the mortgage industry.

In today's ever-changing mortgage market, Brad's focus is on working with his partners, clients, and the communities he serves to provide the right mortgage in the most convenient and professional manner possible!
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Now that you've taken the first step toward purchasing or refinancing your home, it's important to educate yourself on mortgage basics so you can make the best possible decision for your unique needs and financial situation.
After all, purchasing or refinancing a home may be the largest financial transaction you ever make-it can feel a bit overwhelming.
The majority of U.S. homeowners use a mortgage to finance the purchase of their homes.
Typically, the home is the largest asset a family owns, and the mortgage loan is usually the largest debt.
We understand that getting a mortgage can be confusing.
You may not encounter or use mortgage terminology everyday.
That's why we're lending clarity to some commonly used mortgage terms to help you better understand the mortgage process.
Below is an alphabetized list of key mortgage terms to help you better understand the language of mortgages.
Is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index.
ARM loans are also known as the re-negotiable rate mortgage or the variable rate mortgage.
When applying for a mortgage, you will be required to produce a number of important documents verifying your identity, income, credit history and more.
The following documents are commonly required during the loan process.
We urge you to begin collecting these documents before you apply to ensure your loan is processed in a timely manner.
Your lender needs to know the amount of money you're bringing in from work on a regular basis.
Make sure these pay stubs are from the last 30 consecutive days.
Waterstone Mortgage strives to make the loan process as easy and comprehensive as possible, lending simplicity in today's loan experience.
Our loan process is designed to keep your loan application on schedule for a smooth closing, and smooth conclusion.
As we hit the major milestones during the loan process, we'll provide you with clear and timely communication on the status of your application.
We understand how important the home buying process is.
At Waterstone Mortgage, we know the paramount care, concern and responsibility it takes going through the home application process.
At Waterstone Mortgage, we provide clarity and guidance throughout the loan process.
We offer a full suite of lending products because we recognize the importance of having the right loan program for every situation.
At Waterstone Mortgage, we offer a variety of Conventional Loan programs to meet your needs.
Let us help you achieve your dreams of home ownership with a purchase or refinance.
FHA 203(k) Streamline loans are an affordable financial tool you can use to buy AND fix up your home.
With a 203(k) Streamline Loan, you may be able to purchase a property and bundle the cost of repairs, upgrades and other improvements all into one FHA loan.
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