With Clint Christensen in Orlando, FL.
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The English Mortgage Team at Christensen Financial, Inc. provides our clients and referral partners with a truly client-centric experience. We update you personally throughout the entire loan process. We give video updates at all loan milestones and personal assistance with document collection. Use our mobile app to streamline every step of the process. Our approach is consultive, we help you create a mortgage strategy that aligns with your long and short-term financial and investment plans.
Our loan process starts with prequalification. During the prequalification process, we work with you to gather all the required documents to determine the size of the home loan. Criteria we use to determine this amount include factors such as your monthly income, your outstanding debt, and your employment status.
While there are no firm rules for getting approved for home loans, for best results, a history of steady employment and a favorable credit score go a long way to help secure the funding for your new home purchase. At CFI, we work with each client on a personal level to provide the financing for a home purchase.
There are many reasons we prefer to start with mortgage prequalification:
● During the prequalification process, our loan officers are happy to explore and to explain programs that could be available to you, including programs for first-time homebuyers and veterans.
● Getting a prequalification for a home loan isn’t a formal agreement to purchase a home, but it does tend to get you in more doors as a potential buyer. Your prequalification lets sellers know that you are serious and makes them more likely to work with you.
● Prequalification also puts a dollar amount on what you can afford, and that can save you a lot of time when looking for homes. With a home loan prequalification in hand, you can search residences that are within your budget with more confidence.
Without a prequalification for a home loan program, you could spend time viewing properties that are too expensive, which is a poor use of time for not only you but also for the agents, realtors, and other real estate professionals involved in your purchase of a home.
While expected times for prequalification may vary, at CFI, we do our best to prioritize applications and to process them promptly so that our clients can move to the next phase of the home buying process.
Applicants who get prequalified and who agree to the terms then move to the next step in the mortgage loan process. During this step, formal documents must be submitted for further review and approval.
Depending on your employment status and situation, types of information gathered and reviewed could include W2 forms, tax returns, bank statements, retirement or IRA documents, and investment account statements. We’ll also review credit reports and credit scores.
During the formal application process, we’ll finalize the exact details of the total loan amount so that our clients can continue on their home purchase journey with confidence knowing they’ve secured the amount needed to buy the home of their choice.
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.
At CFI, we offer a full range of home and mortgage financing solutions. Types of loans that CFI provides include:
First Time Homebuyer Loans
• Low or no down payment
• Closing cost or down payment assistance
• Federal tax credits
VA Programs
• No PMI (Private Mortgage Insurance
• Lower interest rates
• No prepayment penalties
Home Loan Refinancing
• More favorable mortgage rates
• Debt consolidation
• Money borrowing
• A shorter loan term
• To get rid of PMI (Private Mortgage Insurance)
CFI’s various mortgage programs can help you lower your monthly payment or secure a more favorable fixed rate for your mortgage.
Thank you. Your loan officer will be contacting you soon.
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 18626 | Michigan 1st Mortgage Broker/Lender FL0022014 Michigan 2nd Mortgage Broker/Lender Registrant SR0023376 | 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 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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