The Mortgage Process

Today's stricter lending environment means that processing a mortgage application is more complex than ever, given the number of steps that lenders, underwriters, and mortgage insurers must all complete before home buyers truly have their financing in place. Having the right lender and loan program is among the first steps you will take towards buying a home. You must understand your mortgage financing options and choose the loan that best suits your income and ability to tolerate risk.

Getting a Loan Pre-Approval

If you're like most homebuyers, you will choose to finance your purchase with a mortgage loan. However, by preparing in advance, you can avoid the common delays and roadblocks many buyers face when applying for a mortgage, typically starting with getting pre-approved for a home loan.

Get pre-approved now and see what you can borrow. Or apply for a loan today. Our network of preferred lenders and mortgage professionals is ready to help you choose the right loan program with the lowest interest rate and lowest down payment available. Just click the form below to get pre-approved now.

Getting pre-approved is crucial for knowing what type of home you can afford. The mortgage lender will use details you provide about your credit, income, assets, and debts to arrive at an estimate of how much mortgage you can afford. These days most sellers will NOT accept an offer without at least a pre-approval letter. So if you are serious about buying, this is the first step towards getting you in your new home.

Finding the Right Lender

As soon as you are under contract to purchase a home, commit to working with one lender to complete your mortgage application. Our network of trained and certified loan originators specialize in financing homes in the local Treasure Coast real estate market. They provide fast, professional, courteous, and personal service to help you understand and feel at ease throughout the home buying process from pre-approval through settlement. Your lender will answer your questions, help you select the best financing for your needs, prepare estimates of your closing costs and down payment, calculate payment schedules, and help you determine what price home you can afford. Learn More