A mortgage to purchase a home

Ready to purchase a home? Your realtor will normally ask if you have a pre-approval letter from your lender in order to put in an offer. The pre-approval letter allows you to put in an offer on a home in your approved price range! Use our calculator (here) to see how much you can afford.

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Pre-approved for a mortgage (3 simple steps)

  1. Complete a basic application for the mortgage lender. This is normally basic information that you can fill out online. Apply now. 
  2. Next is a 3 to 5 minute phone interview with your mortgage banker. This is normally more in-depth and you’ll need to provide personally identifiable information, work history, savings estimates, and desired purchase price. You may need to email your lender some basic financial information for verification.
  3. We will email you and your realtor a pre-qualification letter.

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Now, wait!

We (mortgage bankers) are trying to paint your good financial picture. Think through your situation and let us know of any financial concerns that we should be aware of. Also, a pre-approval letter is just the start. Once you’ve found a home you’ll begin the appraisal & underwriting portion.

Don’t worry…

We will paint the picture. You provide the documentation that we request and the underwriting process will be smooth. We are the mortgage pros and our team has done this for decades.

Ok… what type of mortgage can I get?

Now, there are 4 types of home loans when you are purchasing a home. There are many sub-types of mortgage loans but these are the basics.

  1. USDA – 100% Financing or $0 down! These rural (USDA) home loans are set to certain areas only. If you are looking to by in a typical urban or suburban area you may not qualify. Want to see if your dream home will qualify? Check it out here.
  2. VA Loans – 100% Financing or $0 down! These mortgages are guaranteed by VA. This program was created in 1944 and allows military personnel to purchase homes with no down payment and no private mortgage insurance is needed.
  3. FHA – Typically 3.5% down payment. These are backed by the Federal Housing Administration and are one of the most common mortgage loans today. These loans typically have a Mortgage Insurance Premium this is part of the monthly mortgage payment to insure the lower down payment.
  4. Conventional – Typically 3% to 20% down payment. You have many great options when getting a conventional loan. Let us guide you through the process.

We are here to help as you purchase a home

We are here to help you get a mortgage. This is the largest purchase of your life! This is your home. You’ve dreamed of buying this home and we want to make that home ownership dream come true.

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