Buy or Rent. What is best for you?
This is the time to get in the know. A pre-approval will give you an advantage when you find your perfect home. We can tell you what you need to get pre-approved, so you know the exact loan amount you qualify for, what your monthly payment will look like, and how much taxes and insurance will be. With a pre-approval, the loan process will be smoother and your offer will be stronger.
Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose. Are you looking for the consistent rates and payments that a fixed rate loan can provide? Do you want the short-term benefits of lower rates that an adjustable rate loan can bring? Our extensive portfolio of loan options means you have more options available to get just what you need.
Your application will provide a complete picture to loan investors of your assets, debts and what you are buying. You will need to provide documentation, including a photo I.D., pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don't worry, we will let you know exactly what is needed for the loan application so you can be fully prepared.
Your loan has specific investor guidelines that must be met, and an underwriter will review your documents to be sure that you meet them. While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don’t panic if you have to turn in more documents. That’s just the underwriter working hard to get your final approval.
Before your loan is approved, you will receive pre-approval and a list of closing conditions that need to be met. These conditions can include verification that your employer is current and proof that homeowner’s insurance has been obtained. Once closing conditions have been satisfied, the underwriter issues a clear to close. Congratulations, your loan has been approved!
With an approved loan, you are on the home-stretch towards closing. The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!
"I've been working work James for quite sometime..He's a Super Great Guy,If your looking to buy A home or Your Dream home..Contact James, With my situation and looking for my Dream home, James was extremely patient and answered all my questions, when I found My home, He went above and beyond to make it happen..I know he'd do that for all his clients, that's Why you need James on your side, to close the deal on your new home! Contact James! He is the Man.
He has 5 Star reviews for a Reason!
"I decided to work with James based on all of the positive feedback he has received. And he didn’t disappoint! The lending process was quick and easy and now I’m in a beautiful new home well within my budget. I highly recommend James and his company and will happily refer him to my friends and family."
"James was a great help to us. He helped us cross every bridge and get through evey road block with ease. He helped us get through a stressful situation with grace and he was very patient with us I would recommend him to all my friends and family."
More than a mortgage. Always.