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When you are thinking about buying a new home in the St. Louis area, it’s always a good idea to find an experienced mortgage company with a variety of loan programs available. Christensen Financial (CFI) is the mortgage lender St. Louis residents trust to get them the best deal on their home loan, mortgage refinance loan, or reverse mortgage.
If you are a first-time homebuyer or it’s been a while since you’ve purchased your current home, knowing what to expect when you speak with a loan officer is helpful.
Typically, the first step in the mortgage process is getting prequalified. During prequalification, you’ll work with a loan officer to get a rough estimate of the size of the loan you can qualify to take out. Factors including your income, debt, and employment status all come into play when determining the potential loan amount you are eligible for.
Getting prequalified offers a host of benefits for people searching for their first home. Here are some of the most significant advantages:
After completing prequalification, the next step in the home buying process is completing an official mortgage loan application. During this step, you will need to submit several documents, including:
During the loan application process, these documents are sent over to a mortgage loan underwriter who reviews and verifies the data. In addition to verifying this information, the underwriter will also check your credit score and report. Also, this is the step in which the home will be appraised to verify that the property’s value is close enough to the selling price. If everything checks out, the loan gets approved so that you can move on to closing the deal.
During the closing, all loan paperwork and agreements will be signed, finalizing the deal. While the amount of time to close may vary, according to Ellie Mae, the average time to close is around 47 days across all loan types.
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 work hard to help our customers with home loans that work for them. When you speak with one of our loan officers, we’ll take the time to understand your situation so we can help you choose the right mortgage loan product.
Whether it is special financing for first-time homebuyers, Veterans Affairs loans, mortgage refinancing, or other programs, we can help you get into the home of your dreams or get more value from your existing home. In some cases, you can qualify for low or no down payments, lower closing costs, and other homebuyer assistance.
When you want to buy a new home, we help to streamline the process and make the entire transaction easier. Reach out today to find out how the St. Louis mortgage lenders at CFI can help you.
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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 & Professional Regulations MB.6761311 | 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 19-2051 | New Mexico Mortgage Loan Company | North Carolina Mortgage Lender License L-181551 | 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
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 - ©2019 All Rights Reserved.
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