Getting pre-qualified before shopping for a home helps you –
Our pre-qualification and approval process is pretty straightforward. It’s just a few steps:
Download a comprehensive checklist here!
Private Mortgage Insurance (PMI) is designed to protect a lender in the event a buyer defaults on their mortgage. PMI is required if the down payment is less than 20% of a home’s value when using a conventional loan.
While PMI is primarily a benefit to the lender, it is also a huge benefit to the buyer! Since lenders are protected, we are able to offer loans with low down payments. Without it, we would need to require at least a 20% down payment.
This amount can often take years to save. During that time, the price of the home(s) you’re looking at is very likely to rise! Even if you have that amount in hand already, you may want to use it for other purposes.
We work tirelessly to get your loan closed as quickly as possible! This largely depends on appraisals, title work, and specific conditions surrounding your application and the purchase process. Currently most of our loans that don’t involve new construction take less than 30 days to close.
Absolutely! We’re just a phone call away. 251-929-4766
We’ve got the experience and the professional network to get your loan funded. If it can be done, we’re the ones who can get it done. You’ll have direct access to a friendly, communicative, professional Loan Originator who will walk you through every step of the process. If a problem ever pops up, you’ll be the first phone call with a solution.