We are Mortgage Broker, an independent agent for both the mortgage loan applicant and the lender. We stand as facilitate between you and the lending institution. We can look at your financial situation to determine which lender is the right fit for your loan needs. In other words we help you shopping by comparing different rates from lenders. We will work with the lender of choice until the loan closes.
We do not charge anything for our services from clients and get paid directly by the lenders.
We do not charge anything for our services from clients and get paid directly by the lenders.
Services
Before you proceed with actively looking for a house, you need to know how much is your affordability.
Lot of factors decide that.
Your income, assets, debts and credit report are critical and need to be reviewed.
We will run your credit and issue a pre qualification letter.
In the current market, every seller is looking for this letter along with the offer.
If you don't have a realtor, we can recommend one.
Realtors are very important part of the process and their job is not only to open and close the doors but to guide you through the purchase, negotiate and give you the best deals.
Lot of factors decide that.
Your income, assets, debts and credit report are critical and need to be reviewed.
We will run your credit and issue a pre qualification letter.
In the current market, every seller is looking for this letter along with the offer.
If you don't have a realtor, we can recommend one.
Realtors are very important part of the process and their job is not only to open and close the doors but to guide you through the purchase, negotiate and give you the best deals.
Do pay all your credit cards and any other debt on time before you even start considering a mortgage.
Do keep a positive balance in all of your checking and savings accounts with sufficient funds to close a loan.
Do keep your money right where it is.
Changing banks or moving money will require explanation, which will just be more paperwork.
Changing banks or moving money will require explanation, which will just be more paperwork for you and your lender.
Do provide any documentation your loan originator asks for in a timely manner.
Do keep a positive balance in all of your checking and savings accounts with sufficient funds to close a loan.
Do keep your money right where it is.
Changing banks or moving money will require explanation, which will just be more paperwork.
Changing banks or moving money will require explanation, which will just be more paperwork for you and your lender.
Do provide any documentation your loan originator asks for in a timely manner.
In general, a title commitment is a commitment by the title company to insure the sale of the property and issue a title policy if conditions in the commitment are met.
You'll see the names of the seller and buyer, a description of the property, the sales price, and the name of the lender if any.
An example would be a utility easement, where the city would have a part of the land reserved for their use, or a building setback requirement that prevents the homeowner from building within a certain distance from the front of the property.
You'll see the names of the seller and buyer, a description of the property, the sales price, and the name of the lender if any.
An example would be a utility easement, where the city would have a part of the land reserved for their use, or a building setback requirement that prevents the homeowner from building within a certain distance from the front of the property.
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