We operate in a highly complex and regulated industry.  Venturing into the world of mortgages alone can be a dizzying experience.  A recent study shows that only 49% of Americans can pick the correct definition of a mortgage.  The abundance of industry-specific acronyms like DTI, LTV, CD, LE, ARM, FICO, DPA, and many more only adds to the challenge!

Whether you're a first-time homebuyer or a seasoned homeowner with questions, we're here to engage in conversation, provide you with reliable information, and simplify the complexities of the process.

Not all Pre-Approvals are equal.  Most Loan Originators will pull your credit and ask you about your income and call it a Pre-Approval.  In reality, the process of qualifying for a mortgage is far more comprehensive, and you may encounter issues that could lead to application denial. This will cost time and money (bye bye Earnest Money and Due Diligence) and can discourage you from applying for a mortgage in the future.

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We understand what it takes to qualify for a mortgage, which is why our Pre-Approval process is thoughtfully crafted to provide you with the highest level of confidence and certainty when making an offer on a home.

Don't let a less-than-ideal credit score limit your financial potential. Recent studies show that nearly 10% of applicants have been turned down for a Mortgage or Home Equity Line of Credit due to poor credit. It doesn’t just stop there. Did you know that you will pay a higher interest rate if you have a lower credit score? 

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As a Broker, we have access to free credit upgrade services that can help increase your credit scores fast.  Higher scores means you may qualify for a home loan or save extra money on your interest rate!

Another barrier to homeownership is having enough cash for a down payment.  The good news is that there are multiple programs available to aid with your down payment.  Many lenders tend to stay away from working with Down Payment Assistance programs because the approval process can be difficult and time-consuming. 

Our commitment is to identify the most suitable programs and embrace the challenges, working diligently to help you qualify with a reduced down payment.

You may not be ready to buy a home, but that doesn’t mean you can't act now.  Should you pay off credit cards or save up for a down payment?  Do you need a co-borrower?  How much are you planning to save for a down payment?  Is your Credit Score high enough? 

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We are here to provide clarity on these questions and craft a practical plan to ensure you're well-prepared when your dream home comes on the market.