Chris Luis, My Favorite Mortgage Broker
"I work for you, not the banks."
Not Just a Pre-Approval **But A Full Bank Approval
Imagine buying a home the right way. You already have a full bank approval! No stress on paper, no worrying about what the bank wants, no wondering what date you close.
After you find the home you want, sign a contract and pick a closing date 2 to 3 weeks out. We then order the appraisal, order title, get the insurance, and confirm you still have your income (a pay stub). Then we close. 1-2-3.
It took the over 2.4 million loans last year 45 days to close. And, 1 out of 3 pre-approvals are denied by banks. You can be 15 days and 100% certain.
- It makes you equal to cash only buyers - better yet as your realtor can negotiate a price that works for both you and the seller.
I work with one of the few banks that accepts a TBD address. This means the property is “To Be Determined.” Here is the catch: you need credit, income and income documents, bank records, and IDs and find a home in 6 months
Other than USDA, all loan programs are available: FHA - 580 credit score, 3.5% down, Conventional – 620 credit score, 3% to 5% down, VA (Veterans) – 580 credit score, $0 down, USDA - 580 Credit Score.
I want to make getting a mortgage a pleasant experience. No worrying whether you will lose the house you fell in love with. No wondering what date you close. Not worrying how much money you will need.
Write or call for more info.