We start working for you from the initial call, we will gather and analyze your data and begin to prepare a strategic plan to help save time and money on your mortgage. With plan in hand, you will have all of the tools you need to confidently negotiate with your lender through each stage of the mortgage process.
Three Critical Points in a Mortgage.
When you apply for a mortgage there are three critical steps that you need to prepare for. Having prior knowledge to these three steps is critical for you to get your best deal. The three steps are:
The application
The presentation (sales pitch)
The final closing
Get a free up-front mortgage evaluation - Without you having to give your social security number or personal information we can give you an unbiased opinion about your situation. We tell you up-front whether or not it makes sense to refinance or not. Are you thinking about buying a home? We can tell you how much home you can be approved for before you have to make an entire application. Call us Now - 866-535-6077
Choose a Lender - If you have a lender that you like to work with or have worked with in the past, then we are all set. If you still need to find a lender, we recommend that you use one of the multiple "lenders compete" services (Here is the Best). This will allow us to help you find the best lender and remain completely unbiased.
Make an Application - Once you have found a lender, we will help you with your initial contact and application. Before you call the lender you will know what what questions they will ask, and more importantly, how to answer them. Most people are shocked at how long and uncomfortable the first phone call can be. Lenders are attempting to get all of the information they need to approve your loan AND sell you on the loan.
Review their Offer - Once the initial call is over the lender will return with an offer, or a proposal. This where most consumers make their biggest mistake. With Mortgage Assure, we will take that offer and dissect it to let you know how feasible their offer really is. Then we will show you how to get them to lower their rates and fees with the least amount of friction. Next we will tell you about alternative programs available that the lender may not have mentioned. Using the right program can save borrowers thousands of dollars.
Approval Call - Once the application has been taken and you have negotiated an initial agreement the loan will be processed. After processing, your lender will call you to let you know that your loan has been approved and to set up the closing. This is another, often missed, opportunity to save more money. Once we get a copy of the preliminary closing numbers we can revisit the negotiating process, only this time we have the advantage.
Closing Day - Last but not least, we will review your closing numbers. This is the last set of numbers that the lender will share with you right before closing. Unfortunately, this is the set of numbers that are most likely to change, in their favor. With Mortgage Assure, your loan WILL close as it was promised or you will have a sound, credible reason for the differences.