How to Apply for a Mortgage

 In First-Time Home Buyers, Qualifying for a Mortgage

Getting a mortgage is a very confusing thing if you have never done it before.  Even if you have gotten a mortgage in the past, it’s still probably going to be a little confusing because most people don’t get a mortgage very often.  Here’s how to apply for a mortgage the easy way.

How To Apply for a Mortgage

There are two ways to apply for a mortgage: call us and complete a loan application over the phone, or go to our web site and complete the application online.

Over the Phone

If you prefer to talk on the phone, it only takes about 15 minutes to get all the information we need.  Here are the basic things we need to know about you:

  • Credit.  We cannot use a credit report that you get yourself.  Most of these reports have incorrect scores and can’t be used by a lender.  Lenders need to get your credit report themselves, and it’s very easy for us to do.  All we need is your name, current address, Social Security number, and birth date.
  • Employment information.  We need to know where you work, how long you’ve been there, your position, and your gross pay (before taxes).  There is no requirement that you need to have worked at the same job for two years, as many people believe.
  • Asset information.  We need to know how much money you have for the down payment and the closing costs.  For most types of loans, that’s the only money you need.

That’s about it.   

Online Application

If you want to complete a loan application online, click on Apply Now at the top of this page.

If you want to deal with a lender who will take care of you, contact us today.  We have sold mortgages for a long time, it’s the only thing we do, and we are really good at it.

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