We help you focus in your search which allows you to buy the house you can afford, and speed up the process. Most Real Estate Agents wouldn't even consider looking for houses with you until you get Pre-Approved. You can rely on our In-House Professional Mortgage Brokers to guide you every step of the way to make the process the best experience for you from start to finish.
Services
At Epic Mortgage, we serve our customers with honesty, integrity and competence, while providing them with the lowest interest rates and closing costs available.
Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan with many other lenders.
From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction.
We'll keep you informed every step of the way.
We're committed to building rewarding, long-term customer relationships.
Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan with many other lenders.
From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction.
We'll keep you informed every step of the way.
We're committed to building rewarding, long-term customer relationships.
There are many loan programs available - too numerous to cover them all, we've highlighted the programs more commonly offered today.
Characteristics of each loan program are unique, so consult your mortgage professional for more information and to become familiar with the details of the programs available to you.
How important is payment certainty?
If knowing that your payment will be the same every month is important, consider a fixed-rate mortgage.
How important is rapid equity buildup?
If rapid equity buildup is a factor, consider a shorter amortization period, such as a 15-year, fixed-rate mortgage.
Characteristics of each loan program are unique, so consult your mortgage professional for more information and to become familiar with the details of the programs available to you.
How important is payment certainty?
If knowing that your payment will be the same every month is important, consider a fixed-rate mortgage.
How important is rapid equity buildup?
If rapid equity buildup is a factor, consider a shorter amortization period, such as a 15-year, fixed-rate mortgage.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
It is recommended that you get pre-approved before you start looking for your new home.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
It is recommended that you get pre-approved before you start looking for your new home.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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