Isn't It Time?
What's your Paradise?
The starter home that you saw yesterday, and kept you awake all night thinking about? Go for it.
Purchasing a home is one of the biggest financial decisions in a person’s life. Our promise is to give you responsible advice and to make the home buying process informative, quick, and easy, while getting you low mortgage loans rates. There's the saying, buy when you can afford it. But, what if, you don't feel you are financially ready? Our advice, prepare with an expert -- a Rate Paradise Loan Officer. There is no greater joy for us than to take a first-time home buyer from the doubt stage to the 'keys-in-their-hands' stage.
If you are ready, a little advice:
Get pre-approved. You'll gain a lot:
- Greater negotiating power when buying a home (seller's agents will always ask your realtor for a Pre-approval Letter)
- Know upfront how much you can borrow
- Real estate agents will take you more seriously
- Save time and close your loan more quickly
- Pro tip in Paradise: Go now to www.donotcall.gov and register your phone if you haven't already. Credit bureaus will sell your number once you start shopping for a loan. Lenders have no control over this, and it's the only way to block it.
What's your Paradise?
Need money for that once-in-a-lifetime Vacation? Go for it.
Our streamlined mortgage lending process makes refinancing the rate or doing a cash-out refinance fast and easy. Simply fill out the Apply Now form to the right or a phone application by calling. After you’ve submitted your information, you’re ready to start the refinance process.
1. Review
We will review your application and call you with a quick decision. During business hours this can happen in as little as 20 minutes.
2. Approve
Once you determine your goals, you can take a look at the various loan programs available to decide which option is best for you. A Rate Paradise Loan Officer can answer any questions you have and will make product recommendations based on your goals.
3. Verify
Your Rate Paradise Loan Officer will provide you a list of items to upload into the portal so that we can verify all your information. At this point, you will lock in your interest rate to protect you against any changes in the market. You will also be sent preliminary disclosures such as the Initial Loan Disclosures which will include the Loan Estimate and Lock Agreement. After this you will complete your home appraisal inspection if needed as this is sometimes waived. After we receive all your documents, we will order the preliminary title report and open escrow. Once we have everything we need, your loan file will be submitted to the underwriter for formal approval.
4. Closing
After you review and esign the Closing Disclosures with your Loan Officer, you will sit back until your closing date. Depending on the loan type and state regulations, we’ll send directions to the title office where you’ll sign the closing documents with an Escrow Officer or Notary so we can disburse your funds. It’s just that simple!
Questions? We want to make sure you understand everything. Call us today and one of our fantastic and seasoned Loan Officers can walk you through the process.
What's your Paradise?
Are you an investor buying a rental but getting heat from an underwriter elsewhere? Come here ... and we will say, Go for it! We are the rare experts. Because we know there's more than one way to crack open a coconut. Go to Non-QM Loan Products. Psst: Low mortgage loan rates aren't only for primary residences.
