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Top-Rated Zillow.com Lender
As one of Zillow's top rated lenders, you know you are working with a PROVEN PROFESSIONAL. The volume of loans I close each month gets me incentives which I pass on to you to lower my rate and fees. Lower rates are often available for less than a half point.
However, picking a lender is not just about rates, it is about honesty, experience and service. My personal ethics transend the dollar, which means, you are sure to get the truth, even if it means not doing business. I also have two full time processors to give your loan the individual attention it needs during these times of difficult and detailed underwriting.
Rates are going up! Why? Our economy is finally showing signs of recovery. This drives rates higher because Wall Street investors move their money from the safety of bonds (mortgages) to stocks.
Should you lock? Read my Daily Rate Lock Advisory.
Once you have a handle on rates, who can get you the lowest rate? Everyone says they can! My track record speaks for itself. Call me. There are unadvertised rebates lenders give for purchase mortgages, low LTV's and/or high credit scores. We use them to lower your rate and/or pay some of your closing costs.
If you have questions, email or just call me at (866) 602-5955 x101 or (239) 784-1996.
Apply online to get started.
| Step One: Determine How Much You Can Borrow |
How much of a monthly payment can you afford? Factors such as income, credit, debt, employment history and type of house will be examined. Our numerous calculators will help you decide what payment is best for you.
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| Step Two: Computerized Pre-Approvals in Minutes |
Once we receive your online application, we upload your information to our FannieMae, FreddieMac, FHA or VA underwriting computers. In minutes we will have your approval. We then give you a Pre-Approval Letter that realtors and sellers prefer over the Pre-Qualification Letter. Handle it with care -- to a home seller, it's like a suitcase full of cash! It gives you buying clout! We don't stop there! While you're picking out the home that's right for you, we're busy processing your loan. This allows us to close in days not weeks.
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| Step Three: Apply Now! We Made It Easy |
Create your unique login and complete the loan application. It couldn't be easier, and you can do it online, right here on our secure website. I am available 7 days a week, 8am to 9pm EST.
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| Step Four: Closing on Your New Home |
As your loan is being cleared to close by the underwriter, the escrow/title company is checking for a clean chain of ownership. An appraisal is ordered to determine the fair market value of the property. In the end, a settlement statement is developed by the title company to determine what your closing costs are. We ensure what is quoted on the good faith estimate is also what is showing on your settlement statement. No bait and switch.
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You've answered a few questions, given us some detailed information, applied online, and next thing you know, you're moving in! We're in the business of mortgage loans -- so we do most of the work. Doesn't that make sense?
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