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Looking to purchase a new house in Charlotte? There are many reasons why it’s well worth considering choosing CFI Mortgage for all your lending needs. Our loan process is convenient and secure and works to get you into your new house with less hassle. As long as you have the necessary documentation in place, it’s a straightforward application process.
Looking to purchase a new house in Charlotte? There are many reasons why it’s well worth considering choosing CFI Mortgage for all your lending needs. Our loan process is convenient and secure and works to get you into your new house with less hassle. As long as you have the necessary documentation in place, it’s a straightforward application process.
Everything starts with pre-qualification. Our loan specialists take your essential information, such as job type, credit history, and income. Then, they’re able to get a pre-qualification for a loan. Here’s how the CFI mortgage process works:
● Pre-qualification determines your loan eligibility
● Review and find the most appropriate mortgage programs and rates
● Fill out the loan application
● We begin processing
● You submit any and all required documents
● We run your credit reports
● The primary appraisal process begins
● Underwriting determines the final terms
● We close the deal on the house
We work through each stage as efficiently as possible to get the funds needed for your home purchase.
Pre-qualification is the process that considers your ability to pay and your history of making on-time payments. There are several ways that prequalification benefits home buyers:
● Most lenders want to know that your income supports a home loan and that you have a history of responsibly handling your credit obligations.
● Our specialists will look at your pre-qualification information to determine which loan programs you’re eligible for and which are likely to grant you approval.
● Sellers and realtors are also more likely to take you seriously as a buyer if you have done the work to pre-qualify and know how much house you can afford.
● Many of the same documents are used for both prequalification and also the mortgage application itself, so this step ultimately leads to a smoother and easier application process.
No matter what your current needs, CFI Mortgage has a solution ready for you. We’re the leading Charlotte mortgage company, and we have loan programs for every type of consumer and property.
We offer a varied, extensive, and customized range of home loan products. Our comprehensive mortgage lending programs include:
Consumers with very good or excellent credit can also refinance their homes to save significant amounts of interest. If you’re currently in a loan with high rates, contact us for alternatives. It’s a matter of filling out the proper paperwork and qualifying for a loan with lower payments.
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.
First-time home buyers and military veterans may qualify for a range of programs that have government backing. The interest rates are lower than traditional loans, and some government-backed mortgage loans allow for zero money-down payments — making home ownership more accessible.
Whether you presently qualify for a government-backed loan or not, we have plenty of loan programs to fit a variety of needs. Our online mortgage application process is secure, fast and less prone to mistakes than a paper application. Our process leads the industry for ease of use and convenience.
With 20 branch offices, we have a national reach but always keep our local touch. You’ll never feel like you’re a number when you borrow using CFI Mortgage. If you’re interested in any of these mortgage programs and live in (or are moving to) the Charlotte area, let’s talk! Contact us today to get started.
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For licensing information, go to: 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 112516 | Michigan 1st Mortgage Registrant FR0023997 | Michigan 2nd Mortgage Broker/Lender Registrant SR0023376 | Mississippi Mortgage Lender 112516 | Missouri Mortgage Company License License 112516 | 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 License
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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