So you have decided to buy a home–Congratulations! Chances are you’re wondering about your financing options. Our mortgage experts at H.O.M.E. Lending are ready to assist and make the lending process convenient, streamlined and personalized.
How Do We Differ From Our Competitors?
With interest rates still hovering around historical lows, today’s housing market has gotten extremely competitive. Consequently, real estate agents and brokers need every advantage they can get in order to see that a home buyer’s offer gets accepted. If that’s the case, why would you send a pre-approval letter with your offer? H.O.M.E. Lending will send you a DU or desktop underwriter approval that is specific to your offer. How do we do this?
After obtaining your information, then submit it as a “To-Be-Determined” underwriting in order to provide you with a conditional pre-approval letter with a dollar amount. We’ll be able to obtain an underwriter’s approval within 24 hours or less and before you write your offer. This way, all of the required information goes through the underwriting process towards the beginning rather than the end. This gives you an opportunity to release the loan contingency and increases the odds of your offer being accepted.
Benefits of Working with H.O.M.E. Lending
In addition to offering you access to numerous loan products, we’ll find you the one that is best suited to your financial situation. The benefits of working with us include:
- We are a local Stockton direct lender
- We offer lower rates than other mortgage companies
- We track your loan and provide updates
- You get a DU with every underwriter loan approval
- You’ll close within 21 days or less
- You’ll receive up to a $500 credit towards the cost of your appraisal
- Your loan can be pre-approved within 10 minutes
Buy a Home at Stockton CA : H.O.M.E Lending
At H.O.M.E. Lending, we have the experience, expertise, and flexibility to meet your specific needs and requirements. This means you will not only save money without having to deal with any hidden costs or fees, you’ll save time, too. Most importantly, we offer a more personalized approach to financing the purchase of a home. Call us today at (209) 477-0262 to learn more!