Providing Exceptional Mortgage Service from Application to Closing
I am committed to delivering mortgage services that not only meet but exceed your expectations. Whether you're a first-time homebuyer, refinancing your current home, or investing in real estate, my goal is to provide clarity, confidence, and support throughout every stage of the mortgage process.
Here's what you can expect when working with me:
1. Pre-Qualification & Application
Using my secure Mobile App, you can start the process anytime, anywhere. The app allows you to explore various loan programs, compare estimated payments, and begin your application. During pre-qualification, we'll evaluate your income, assets, credit, and financial goals to determine the loan options that best suit your needs.
2. Loan Program Selection
Every borrower's situation is unique. I'll help you understand the differences between fixed-rate and adjustable-rate mortgages, government-backed loans (FHA, VA, USDA), conventional loans, jumbo loans, and more. With tailored recommendations, you'll be empowered to make an informed decision.
3. Processing & Documentation
Once you select a loan program and submit your application, my team and I will begin processing your file. You'll be asked to upload documentation through the app â such as income statements, tax returns, and bank statements â to verify eligibility. The app's built-in tools make it easy to track your loan's status in real-time.
4. Underwriting
Your file will then move to underwriting, where we perform a detailed review to confirm compliance with lending guidelines. I'll stay in close contact with you to ensure any additional requests from underwriting are met promptly and efficiently.
5. Approval & Closing
Once your loan receives final approval (Clear to Close), we'll coordinate with all parties to schedule your closing. You'll have full transparency into closing costs, terms, and next steps so you feel confident signing your final documents.
6. Post-Close Support
My relationship with you doesn't end at the closing table. I'll continue to be a resource for your future home financing needs, whether you're considering a refinance, investment purchase, or simply have questions about your current mortgage.
Download my Mobile App today to:
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Check out current loan programs
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Access helpful calculators and decision-making tools
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Submit your application and documents with ease
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Monitor your loan progress from start to finish
WANT TO SKIP THE APP? Get straight to the source. I am readily available via cell at 256-504-5577. Give me a call, or shoot me a text to get started!
Let's make your homeownership goals a reality â together.
Calculate your mortgage payment, affordability & more
Find out which loan program is right for you
Get pre-approved in minutes with our quick & easy app
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Committed to giving you all the support and guidance you need.
A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Mortgage Loan Originator
First Equity Home Loan, Inc. | NMLS: 1100958
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