Coosa Valley Mortgage, Inc. is a family owned business established in 1996 to serve St Clair County and the surrounding areas. Our mission is to offer competitive rates while providing top-notch customer service and finding the best loan product for your financial situation. We offer a variety of mortgage loan programs that will fit diverse financial positions.
Our goal is to help you throughout one of the biggest decisions of your life -- owning a home. Coosa Valley Mortgage strives to focus on the company values in life: family, friends, and community. We value community involvement through civic organizations as well as helping people in the community and their financial positions. Whether it is buying a home, refinancing, or building your dream home, we will service your situation.
Throughout all of the fluctuations in the housing market through the years, Coosa Valley Mortgage has maintained a consistent approach to the mortgage process.
Our goal is to help you throughout one of the biggest decisions of your life -- owning a home. Coosa Valley Mortgage strives to focus on the company values in life: family, friends, and community. We value community involvement through civic organizations as well as helping people in the community and their financial positions. Whether it is buying a home, refinancing, or building your dream home, we will service your situation.
Throughout all of the fluctuations in the housing market through the years, Coosa Valley Mortgage has maintained a consistent approach to the mortgage process.
Services
The first step in buying a new home can save a lot of headache in the long run.
Meeting with a mortgage professional will guide you to finding a home that is in means of your borrowing abilities.
We will assess your income, assets, and credit to determine the purchase price that will suit your needs.
Once all the aforementioned documents are reviewed and credit is pulled, we can determine an appropriate purchase price and monthly payment that you qualify for and are comfortable with.
Of course there are calculators online that help give you an idea of what you may qualify for, but these calculators do not include all costs included in buying a home.
Meeting with a mortgage professional will guide you to finding a home that is in means of your borrowing abilities.
We will assess your income, assets, and credit to determine the purchase price that will suit your needs.
Once all the aforementioned documents are reviewed and credit is pulled, we can determine an appropriate purchase price and monthly payment that you qualify for and are comfortable with.
Of course there are calculators online that help give you an idea of what you may qualify for, but these calculators do not include all costs included in buying a home.
There are many reasons to refinance: Lower rate, Lower Term, Cash-out, Home Improvements, Debt Consolidation, Remove PMI, etc.
However, it is not always the best move for you.
The first step is determining if it is cost effective.
Our mortgage professionals can help you make the best decision for your well-being.
Call today to determine if this is best route for you.
Be sure to provide your current mortgage statement showing balance, rate, and remaining term.
If it is determined refinancing will be in your favor, it is time to move on to the preapproval process.
However, it is not always the best move for you.
The first step is determining if it is cost effective.
Our mortgage professionals can help you make the best decision for your well-being.
Call today to determine if this is best route for you.
Be sure to provide your current mortgage statement showing balance, rate, and remaining term.
If it is determined refinancing will be in your favor, it is time to move on to the preapproval process.
Once we review all documents and run your credit, we will be able to tell you the loan amount you should be approved for.
We will also discuss what monthly payment you will be most comfortable with.
From here, you will have an idea of how much you can spend on a lot and construction of your home.
Now you can start shopping for the location of your home.
Based off your approved loan amount, you may have an amount reserved for your lot.
Whether you are wanting to build on the water, a subdivision, or rural, you should have an idea of the price range you have set aside.
We will also discuss what monthly payment you will be most comfortable with.
From here, you will have an idea of how much you can spend on a lot and construction of your home.
Now you can start shopping for the location of your home.
Based off your approved loan amount, you may have an amount reserved for your lot.
Whether you are wanting to build on the water, a subdivision, or rural, you should have an idea of the price range you have set aside.
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