Refinancing
A Refinance can be a great way to improve your financial situation. From a simple refinance to lower your rate and payment, to removing mortgage insurance, shortening your loan term and/or using your home equity to consolidate other, high interest debt. When used responsibly, a mortgage is a powerful tool to help you achieve your financial goals.
Purchase Pre-Approval
A Purchase Pre-Approval is a necessity in today’s real estate market. More than just a piece of paper, the Pre-Approval process allows you to understand your financing options, identify budgetary targets and helps to eliminate the anxiety of the ‘unknown’. Once Pre-Approved, you will be ready to submit a strong and confident offer on your next home.
Refinancing
Step 1
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Identify your current financial situation and goals for a refinance. What are you hoping to accomplish? What are your primary and secondary goals? How long do you foresee yourself in the home? These are some of the questions that will help us identify the right loan programs and loan structure for you.
Refinancing
Step 2
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Gather necessary documents and information. As we gather documents we can better identify the strengths and potential issues we might face once the loan is submitted to UW. This allows us to create a plan to address any issues, in advance, and ensure a smooth and seamless process with the lender.
Refinancing
Step 3
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Present and review options. Once we’ve identified your refinancing goals, and we’ve gathered the bulk of the documents needed, we can start to review the various options available. Going over the variables involved and how they could impact the loan once we submit to the lender.
Refinancing
Step 4
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Submit a full and complete package to the lender for UW Approval and order the Appraisal (if required). Once the loan is Approved, we will review and address any final items needed by the UW.
Refinancing
Step 5
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Review and Close. Once all UW items are cleared, we can review numbers again and make any final changes or adjustments needed before we schedule your closing appointment.
Purchase Process
Step 1
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Identify your current situation and budgetary goals. What are you hoping to spend, per month, on a new home? What is your down payment budget? How long do you foresee yourself in the new home? Is this a ‘starter home’ or a ‘forever home’? These are some of the questions that will help us identify the right loan programs, loan structure and price range for you, as you start your home search
Purchase Process
Step 2
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Gather necessary documents and information. As we gather documents we can better identify the strengths and potential issues we might face once the loan is submitted to UW. This allows us to create a plan to address any issues, in advance, and ensure a smooth and seamless process with the lender. This step is key to submitting a strong offer. The more we do up front, the quicker we can close.
Purchase Process
Step 3
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Present Pre-Approval and review options. Once we’ve identified your goals, budget etc, and we’ve gathered the bulk of the documents needed, we can start to review the various options available. Going over the variables involved and how they could impact the loan once we submit to the lender.
Purchase Process
Step 4
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Submit a full and thorough package to the lender for UW Approval. Initiate the Appraisal, if needed. Once the loan is Approved, we will review and address any final items needed by the UW.
Purchase Process
Step 5
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Review and Close. Once all UW items are cleared, we can review numbers again and make any final changes or adjustments needed before we schedule your closing appointment.
