We talk wealth, finance, real state and tell it like it is. We keep it simple – help you understand and give it to you straight!
Ready to transform your financial future? Hit play and let’s navigate the path to prosperity together!
We hope the information below is helpful. More than just doing a mortgage, we want to be a resource for you. Our WOW process creates raving fans and we are proud to receive referrals and repeat business from our past clients. Thank you for your referrals and trust over the years!
If you’re wondering about the most common homebuyer questions – How much money do I need? What is my monthly payment? What price should I consider? What are the rates and loan programs? Give us a call! We make getting started easy!
Our model is to learn your goals and concerns, provide you with detailed options, and solve any issues proactively, so you can feel comfortable and have a smooth homebuying process.
The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023.
