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Are you a first time home buyer who’s looking for help with applying for a mortgage? Or maybe you’re a proud member of our Armed Forces who’s ready to use your VA loan? There are plenty of home buying options out there, and it can be hard to know where to start when it comes to applying for a loan. You’ve made the smart decision to buy your own home, and we are here to help you make it happen.
Whatever your mortgage loan needs are, we can help you find the best program for you. We work with conventional loans, FHA, and VA loan programs. For our first time buyers, let’s talk about getting cash assistance to put towards your down payment. All of our loan officers understand the requirements needed for each of our loan programs, and we will make sure that we match you with the most financially beneficial loan for you.
Before you fill out loan information, it’s a good idea to gather all of your pertinent documents in one place. Otherwise, you may have to delay completing your application while you search for information. You’ll need:
While not all of these documents will be asked for by the underwriter, it’s better to have easy access to them if you need them.
The first step to getting your home loan is to go through the pre-qualifying process. When you are pre-qualified for a loan amount, then you’ll be given an idea about what you’ll be able to borrow when the time comes to get your mortgage loan. It’s a good first step because the loan company will also alert you to any income deficiencies or negative credit files, so you can alleviate these problems before moving to the next step.
Once you’ve been pre-approved you can move on to the loan application. If you run into any issues, just contact us for help. We are ready to answer any questions and to help you move forward with buying your new home.
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 your application is complete and you’ve checked that all of the information is correct, then it will be verified by a loan processor who will look at your employment history, income and creditworthiness.Â
Every loan applicant wants to hear the good news that they’ve been approved, but if there are any issues, we’ll assist you in resolving them. It’s our goal to get you into your dream home as soon as possible, so we’re proactive in keeping your application moving. Once your loan has been reviewed by the loan processor, it’s time to get an appraisal on the home you want to buy.Â
Home appraisers make sure that there is enough value in the property compared to other home values in the area. If the appraisal matches the mortgage loan amount requested, then the loan should move to the next step. Finally, the underwriter will look at the file and make a determination. If the loan is approved, then you’ll receive a contract to sign.Â
Take your time and review the contract closely. We’ll go over the contract with you to ensure that you understand it. Once you approve and sign your contract, attend the closing and pay the closing fees, the deed to the home will be transferred and you’ll get the keys to your new home.Â
Now that you understand the different parts of the mortgage application process, contact us to get started buying your Bradenton home!
Thank you. Your loan officer will be contacting you soon.
For licensing information, go to:Â www.nmlsconsumeraccess.org
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 and Professional Regulation, Division of Banking, MB.6761311 100 West Randolph, 9th FL, Chicago, IL 60601, 1-888-473-4858 | 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 21-2051 | New Mexico Mortgage Loan Company | North Carolina Mortgage Lender License | 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 | Virginia Lender/Broker LicenseÂ
STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
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 - ©2021 All Rights Reserved.
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