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Mortgage Lenders Pembroke Pines

The decision to buy a home is one of life’s great moments. Homeownership builds wealth, encourages involvement in your community, and gives you a place to build roots. Buying a home can also be a little daunting, especially as a first time home buyer. We can help ease your stress by empowering you with information, and being there for you when you have questions. Our experienced loan officers know how to find great mortgage lenders that will get you the best rate for your loan.

First Step: Pre-Qualify for a Mortgage

You know that you want to buy a house, but maybe you’re a little unsure about what your financial well being will look like to a lender. The best way to find out the answer to this is to go through the pre-qualification process. This process will allow lenders to check your overall financial picture when it comes to the ability to pay a monthly mortgage debt.

The pre-qualification process will ask for your work information, income, debts and savings information. The company will also check your credit history.

Getting pre-approval is helpful in more than one way:
● Pre-qualifying is a good way to make sure you don’t have any lingering credit problems that you were unaware of. If you do, you’ll need to take care of any collections accounts or inaccurate information before applying for a loan. Mortgage lenders may automatically disqualify you for a loan if there are open collections accounts or other negative information.
● Going through pre-qualification can also help streamline the actual mortgage application process. That’s because another benefit of the pre-qualification process is that you’ll already have all of the necessary documents you’ll need to fill out the loan application.
● If there are no problems with your financial information, then you’ll receive a pre-qualification amount for a home loan. This will give you an idea of how much you can borrow to buy a house.

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Step 2: The Mortgage Application Process

The mortgage application is similar to the pre-qualification process, but asks more detailed questions and can be quite lengthy. Our online mortgage application process makes it easy to apply for a home loan, but the number one rule is to take your time and to make sure that all of the information is correct. It’s difficult to make changes to the application once it’s being processed, and you don’t want to raise red flags that can delay your mortgage approval.

When your mortgage application is processed, there will be a loan agent assigned to your case to verify information like your employment history, income and banking information. Make sure to return any messages from your loan agent right away, so you can answer any questions immediately. Waiting for your loan to be approved can be a tense time, but you can be assured that it’s being worked on promptly.

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Need Help Crunching The Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.

Step 3: Mortgage Underwriting

Once you get the good news that your loan has been approved by the mortgage underwriting department, and you’re ready to make an offer on a house, you’re ready to have the property appraised. The appraiser checks the listing to make sure that there is enough value in the property compared to the amount of the loan being requested. This is an important step in the home buying process, so finding an appraiser that’s experienced and trustworthy is a smart move.

Download Our Mobile App

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.

* Available on iPhone, iPad and all Android devices from 5.5

The Home Stretch

The final part of the mortgage process is reviewing and signing your contract. Read your sales contract carefully and make sure the mortgage rate is correct before you sign it. You will also need to pay closing costs at this time, and then you’ll be the proud owner of your new house.

Our goal is to provide you with options when it comes to finding the right mortgage for you. We offer a variety of loan programs including FHA, VA and conventional mortgages. If you’re a first-time buyer looking for assistance, then there are a number of programs that offer cash assistance if you qualify.

There’s no reason to put off your dreams of buying your own home in Pembroke Pines! Contact us today for more information about our home loan programs.

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