Mortgages can seem complex or intimidating, but we’re here to help. Whether you’re buying your first home, refinancing your current home, or buying your dream home, our highly-rated experts will walk you through the process every step of the way.
Our Mortgage Bankers are passionate about helping families secure a home and live a better life! And, along with their expertise, we’ve simplified our mortgage process by tailoring it to fit your needs, and cutting down on approval and closing times. So, what exactly happens during the mortgage lending process? Go ahead and take a look at what you can expect.
Buying a Home
Buying your home is one of the most important financial investments you’ll ever make. Our knowledgeable and passionate Mortgage Bankers are here to help … and we’re good at it!
Because a mortgage is such an important financial commitment, be sure to take your time and carefully fill out the application as completely and accurately as possible. Not disclosing credit problems up-front or holding back requested documents will only delay the process and potentially even prevent the approval of your mortgage loan. So, it is to your benefit to fully disclose everything about your finances so our Mortgage Bankers can get you on your way to home ownership.
Refinancing a Home
Refinancing can be a smart decision if you can benefit from a lower rate and save money. If refinancing is the right choice for you, choosing to refinance with us is even smarter. Whether you’re looking to lower your monthly payment, consolidate debt or get cash from your home, we have solutions that are right for you. And our mortgage experts are uniquely equipped with the skills and knowledge to help you find it.
Home Equity Loans & Lines of Credit
A Home Equity Term loan is secured by the equity you have built in your home or property. You’ll receive the lump-sum proceeds when your loan is closed. You can use the proceeds of the loan to pay for college expenses, home improvements or to refinance
A Home Equity Line of Credit is a reusable line of credit secured by the equity you have built in your home or property. With a line of credit, you will have access to your funds when you need them, just like a credit card, but with lower interest rates. A Home Equity Line of Credit can be the perfect solution for taking action on home improvements, paying medical bills or even paying off higher-interest credit card debt.
If you’re looking to build the home of your dreams, we offer the perfect option with our construction loans. With this solution, we can offer competitive rates, and we’ll work with you to make the financing process as fast and as streamlined as possible.
Construction loans work a little differently than most of our other home loan solutions. Rather than issuing the entire loan at once, we pay out funds as the construction process is being completed. For instance, we may issue funds after the contractor finishes framing the house, pouring the foundation, or putting on the roof.