Pre-Approval
If you are looking for a new home, be sure you are pre-approved. With a mortgage pre-approval we can do a complete verification prior to sending you shopping for a home, and with that done, the dollar figure you are going shopping with reflects what you can actually spend. In most cases we will be able to lock in an interest rate for you for 60-120 days, guaranteeing a mortgage for that rate or better.
Investment properties
Different lenders have different policies about how you qualify for financing on investment properties. Examples of these policies might include: lower loan-to-value ratios permitted, different allowances for source of down payment, net-worth requirements, and others. Investment properties can be very rewarding, but in certain cases are more complicated to finance than owner-occupied properties. We will help guide you through the process of financing for investment to ensure all the necessary considerations are taken.
Purchase
We have access to financing options for many types of real estate purchases. In today’s financing landscape there are many unique products available, allowing for a very transaction-specific financing fit. We provide a thorough analysis of our client’s position, tailoring your needs to one of the many products available from our lender partners.
Switch/Refinance
Having access to many lenders allows us to constantly shop the market for our clients. We are always comparing current market offerings with our client’s current financing situation to take advantage of every opportunity to save money. Whether it is simply switching your current mortgage to a new lender to take advantage of better terms or rates, or refinancing to consolidate some debt into lower home financing rates, we make sure that you are always positioned to keep as much money in your pocket as possible.