Ready to Rock & Loan?
Not sure how to get a mortgage? You’ve stumbled to the right spot. Once you’re ready to rock & loan with us, our Rock star loan officers will take it from here.
If you have decent credit, a conventional loan might be right up your alley. Put as little as 3% down payment and it’s traditionally a lower rate than your FHA loan. There’s an option to eliminate mortgage insurance too. Lower rate + No PMI = Lower payment. Sweet!
A little blemish in your scores? No problem. This loan lets you go as low as a 580 credit score. Not to mention, you can put as little as 3.5% for your down payment to buy your house. Later on you can even do a streamline loan to lower your rate, eliminate your mortgage insurance premium, or change your term.
Are you a veteran or an active-duty military personnel? First and foremost, thank you – you rock! This loan doesn’t require a down payment (yep, zero down), no mortgage insurance, super low closing costs, and is easy on lower credit scores.
Building a new home? That’s awesome because we got you covered. We’ll do both the construction loan and the end loan. Easy-peasy.
Yeah, it’s kind of like an elephant. If your house is over the conforming loan limits, this is the loan you’ll want. Sit back, relax, and enjoy some peanuts – we’ll take care of your financing.
Single, double, triple, or panelized? You got it. Lower credit? No worries, we got that too. You can even choose FHA, VA, Conventional, or a USDA loan to finance your manufactured home. How sweet is that?
Want to get away from the hustle and bustle of the city? No prob. We offer loans for rural homes with lower rates and zero down payment.
Walk me through.
First things first – Let’s see if you’re ready. We’ll do a free credit check, verify your income and assets, and make sure your new mortgage is in line with your debt-to-income. We promise, it’s not that scary. You’ll be rest assured when you know how much of a home you can afford or how much you can save by refinancing. (Cha-ching!)
Found that dream home or ready to start saving on your existing house? This is the part where you’ll pick the type of loan you want. Want to go over this in person? Stop by one of our offices or request a virtual call with your Rock Star (I mean, Loan Officer).
When your loan goes through the production line, this is the phase that checks to make sure you are who you say you are and everything matches up to your original loan application. We’ll gather supporting documents and order up third party verification items that will allow our Underwriters to make a decision on whether you’re approved or not.
Our precise underwriters will check your file and make sure you’re truly approved for the loan program you’ve selected. Don’t forget the Rule of Two – 2 months bank statements, pay stubs, etc. And don’t be startled if they ask for the same stuff, its part of the procedure.
Whoop-whoop! We’re at the finish line. This is where you’ll sign off on the closing disclosure, wait 3 days during what’s called the cool-off period, and from there, you’re off to your new home or newly refinanced loan. Hooray.
More ways to apply.
Let’s rock + loan together. Want to get started? Choose your way.