With Clint Christensen in Orlando, FL.
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Windermere Home Loans & Mortgage Lender

Working with an experienced mortgage lending company with a deep understanding of all the available loan programs can help you make your investment go even further. Christensen Financial Inc. (CFI) has the mortgage lenders Windermere residents rely on for all kinds of home loans, and our streamlined online mortgage application process makes it more convenient to buy your dream home.

Step 1: Home Loan Prequalification

Prequalifying for a home loan is the most effective way to jump-start the homebuying process. There are several benefits to prequalifying. Just to name a few:

  • Find out what you can afford: With a home loan prequalification, you get the advantage of knowing your approximate financing eligibility. With this information, you can consider homes and residences that fit within this price range, saving you time and frustration.
  • Show that you’re a serious buyer: Realtors, agents, and home sellers will take your offer or interest in their properties more seriously when they know that you already have taken the first steps to secure a loan. Prequalifying gives you an edge over other prospective buyers who haven’t yet determined their eligibility to borrow for a home loan.
  • Get a leg up on the mortgage application process: Prequalifying requires a lot of the same information and documents as the mortgage application itself, so prequalifying helps you save time and effort.

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Step 2: Explore the Loan Programs We Offer

During the prequalification process, the professionals at CFI will work with you to explore any loan programs that can help with no or low down payment options, reduced closing costs, or other applicable discounts and promotions that are available to you. If you are a first-time homebuyer or a Veteran, for example, there are programs in place to help make homeownership more affordable.

Some of the mortgage loan products we offer include:

  • 30-Year Fixed Mortgages
  • 15-Year Fixed Mortgages
  • Adjustable-Rate Mortgages
  • Jumbo Loans
  • Reverse Mortgages
  • USDA Loans
  • VA Loans
  • State and Local Housing Programs

While the exact eligibility details of each program vary, some of the benefits could include down payment assistance or other tax credits. If you have questions about these programs, be sure to consult with your CFI loan professional. We’re always pleased to answer your questions about the various loan programs available today

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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: The Mortgage Application

After getting prequalified and considering which type of loan is best for you, the next step in the loan process is completing the formal home loan application.

During this phase, you’ll provide the loan officer with copies of bank and investment statements, tax returns, and W2 forms, which help to prove your capacity to repay the loan. All of this information gets sent to underwriters to review and verify. An appraisal of the property will also be ordered to determine if the value of the home is in line with the amount being mortgaged.

Once your information is checked for accuracy, the rest of the loan process moves relatively quickly to closing, if the loan is approved.

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

Refinancing And Reverse Mortgages

In addition to working with first-time homebuyers, CFI is available to help with refinancing or getting a reverse mortgage on your Windermere residence.

Refinancing is a viable option for homeowners to secure more favorable interest rates on the balance of their existing mortgage, a way to consolidate debt or a way to shorten the overall term of your loan.

Reverse mortgages offer a way for homeowners over age 62 to tap into the cash equity of their home without paying taxes. For people with limited income, this mortgage option offers a way to increase their cash flow without adding tax burdens.

Our goal is to simplify the mortgage lending process so that you can enjoy an exceptional home buying experience. If you’re searching for a mortgage loan, refinancing, or a reverse mortgage for a residence in Windermere, reach out to CFI today.

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