Prequalification
A mortgage prequalification provides you with an idea of your home buying price range. It can be an excellent way to begin the home buying process. A mortgage prequalification is based on simple questions about your monthly income and expenses and takes only a short time to complete. We can also provide you with a firm mortgage commitment from one of our many lenders. This can be accomplished even if you do not have a home under contract. You will be issued a commitment letter subject only to a purchase contract and appraisal on that specific property.
At a mortgage prequalification, we can also explain to you the mortgage process as well as give you and overview of the many types of mortgages available.
Mortgage Selection
There are numerous mortgage programs available today and making the right mortgage choice is as important as getting a good mortgage interest rate. We work closely with you to help you make an informed decision. We review your personal situation; we inform you of the pros and cons of each mortgage type and then we make recommendations that will provide the best home financing solutions for you.
Smooth-Efficient Processing and Approval
We have invested in innovative, state-of-the-art technology to compliment our personal service. Once the proper mortgage has been determined for you specific needs, we use our technology to speed the mortgage process. Often, you will have the commitment letter within 24 hours from application. After you make the mortgage application, we send an introductory letter to all parties involved.
This letter is sent to both real estate agents as well as both attorneys. This letter states your date of application, mortgage lender, loan number, and who the closing attorney will be. this enables your attorney to start their requirements for closing a lot quicker, which ultimately will not delay your closing.
Once your commitment letter is received, we make sure all parties on both sides of the transaction receive a copy. Our efficient system also enables us to provide you with up-to-the-date status checks on your mortgage application throughout the whole process.
Closing Assistance
Once you receive your mortgage approval (a mortgage commitment), we will assist both you and your attorney to arrange a timely closing. As part of our service, we work closely with you to help you understand the closing process and what needs to be done to prepare for the closing on your mortgage.
After the Closing
Once you have closed on your mortgage loan, feel free in contacting us at any time. Whether you have a question regarding the servicing of your mortgage, escrow or you wish to offer any feedback, both positive and otherwise. It is only through direct customer feedback that we can strive to fine tune our policies and procedures in order to render the highest quality service.
Refinancing Available
Over time, interest rates change and there may come a time when it would be advantageous for you to refinance your mortgage for an immediate savings. We can provide you with an analysis that will show how much you can expect to save as well as any costs that might be associated by refinancing. This analysis is provided to you at no charge or obligation and is part of our on-going service to you.
As your personal mortgage brokers, we are happy to work for you to find the best loan for your home.
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