With Clint Christensen in Orlando, FL.
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Christensen Financial Inc. has many local branches near you.
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Are you ready to take the leap into owning a home, but not sure where to start? Our knowledgeable and friendly mortgage experts are standing by to help answer all of your questions about the loan process. We want to see you enjoy all the benefits of owning a new home in Atlanta, and we can make the application process seamless for you.
Every buyer has a different situation, and there are different mortgage loans that could help you by lowering certain costs or getting you a great interest rate. Knowing what your options are is the first step to starting the process of getting a mortgage. When you sit down and talk with us about mortgage lending, we will go over the details of the loans you qualify for.
The most popular loan programs are:
● Federal Housing Authority (FHA)
● Veteran’s Administration (VA)
● Adjustable-Rate Mortgage (ARM)
There is also the conventional loan and programs for first-time buyers that offer excellent benefits like money for your down payment. All of these programs require specific qualifications that must be met, and that’s why it’s important to speak with us first before applying for a mortgage.
Getting pre-qualified for a loan is a first step that will give you a clear picture of how much you may be approved for. The pre-qualification process isn’t a contract and won’t give you a fixed rate, but it will help you decide how much home you can afford. It’s also a good way to see if you have any credit issues that need to be fixed before submitting your mortgage application.
If there are no problems that need attention after the pre-qualification process and you’re ready for the next part of the loan process, then you’ll complete the loan application. This application is similar to the pre-approval application, but it will ask for more detailed information about your finances, debt and income.
It’s important that you get the information right the first time. Otherwise, the entire loan packet could be returned and you may have to start over. As you are filling out the loan application you can contact our staff for help with any questions.
Are you the hands-on type? Get involved with your loan transaction in a whole new way with our powerful, simple to use mobile app.
When you’ve completed the mortgage application, it’s sent to the loan processor who checks all of the information. If it passes this stage, then the paperwork goes to the underwriter who may request other documents. The kinds of documentation that you may be required to submit are divorce decrees, financial records or bankruptcy information. If there is a request for documents, then you must submit them as soon as possible to keep the loan process from getting delayed. The property will also be appraised to ensure it meets the loan criteria.
When the underwriter makes the final determination and the loan packet is approved, then you’ll be given a contract to sign with a locked-in mortgage rate. If you accept the terms, you’ll sign the contract and be ready to buy your dream home. You’ll pay the closing costs, and all of the loan and sales paperwork will be completed.
Call us to help get you started on the steps of buying a home in Atlanta. Whether you’re a first-time buyer or you’re experienced in the real estate market, we can help get you a great rate.
Thank you. Your loan officer will be contacting you soon.
License(s): Alabama Consumer Credit License 21433 | Colorado Mortgage Company Registrant | DC Mortgage Dual Authority License MLB112516 | Arkansas Combination Mortgage Banker/Broker/Servicer License 101560 | Florida Mortgage Lender Servicer License MLD1715 | Georgia Residential Mortgage Licensee 21045 | Illinois Department of Financial & Professional Regulations MB.6761311 | Kansas Mortgage Company License MC.0025032 | Louisiana Residential Mortgage Lending Licensee | Maryland Mortgage Lender License 18626 | Michigan 1st Mortgage Broker/Lender FL0022014 | Mississippi Mortgage Lender 112516 | Missouri Mortgage Company License License 19-2051 | New Mexico Mortgage Loan Company | North Carolina Mortgage Lender License L-181551 | Pennsylvania Mortgage Lender License 32852 | Oklahoma Mortgage Lender License ML010110 | South Carolina BFI Mortgage Lender/Servicer MLS-112516 | Tennessee Mortgage License 109381 | Texas SML Mortgage Banker Registrant | Virginia Mortgage Lender/Broker MC-5371
TEXAS COMPLAINTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
All loans are subject to credit and property approval. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions apply. The lender/Purchaser is Christensen Financial, Inc. of Florida. Christensen Financial, Inc. is an Equal Opportunity Employer. As a family-owned business, we are deeply devoted to delivering exceptional customer service. If at any time you feel you are not receiving this level of service, please feel free to contact Sara Christensen Adams, VP & Director of Operations at 407 641-0994 or by email: [email protected]
Christensen Financial, Inc. | NMLS ID # 112516 is an Equal Housing Lender - ©2019 All Rights Reserved.
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