With Clint Christensen in Orlando, FL.
Not who you were expecting?
Christensen Financial Inc. has many local branches near you.
Menu
Menu
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.
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.
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.
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.
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.
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.
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 | 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.
Please select your loan officer
Are you currently working with a Christensen Financial Loan Officer?nr
Please select your loan officer
Are you currently working with a Christensen Financial Loan Officer?
If you like the work I’ve done, please refer your friends and family to me:
Please select your loan officer
Are you currently working with a Christensen Financial Loan Officer?