The calls, the texts, the emails, the credit pulls, the constant barrage of offers. Even after you've made your decision, you still can't catch a break. But if you could avoid that, would you? A whopping 84% of mortgage shoppers are doing things the old-fashioned way and feeling the stress that comes with it. It's an outdated and unnecessary approach.
If you could search for the best mortgage for your needs, without the harassment, would you? If you could submit one application and shop at least dozens of lenders for the best solution, would you? If you could accomplish all of this without being bombarded by multiple lenders trying to convince you that they're the best, would you? If so, you're in the right place.
Now, if you like the chase (and to be chased) we might not be the right fit for you.
However, if you want a streamlined process, one application, one credit pull, one point of contact, and multiple options, keep reading and get familiar the 5 benefits we provide during your mortgage shopping experience.
You've worked hard to get where you are. You shouldn't have to deal with an onslaught of contacts and application links. You deserve to get the best deal, get to the closing table, and move on with your life. Unless, of course, you prefer multiple contacts to get multiple offers.
There are dozens of options. Some are well known, some are not. You don't have to be limited to the most common types of mortgages (Conventional, FHA, VA, USDA purchase and refinance loans, or HELOC and Home Equity Mortgages for access to your equity) there's so much more out there. Maybe you'll like the less common options, maybe you won't. But shouldn't you get the choice? You could spend hours, days, weeks, or months researching everything that might be available, consult with a few people, assume you probably got the best you could get, and accept what you've received. Or you could let someone do the work for you and get a straightforward answer based on your situation and needs. It's truly your choice. Which do you prefer?
Whether you want the lowest rate or the most unique product, or you just want to know all of your options, you shouldn't have to fill out more than one application. As far as credit pulls - one after your application, and (potentially) one at closing should be sufficient. Of course, you CAN have your credit ran multiple times with multiple vendors. That's totally your right to do. It's your credit, after all.
Let's be honest. Everyone in the mortgage industry is in it to earn a living. There's nothing wrong with that. However, that should not mean that you don't get the best product that serves YOU before anyone else. It's hard to trust people now days. But, fortunately, this heavily regulated industry is full of honest people who do want to help. That doesn't mean that a few bad apples don't slip through, though. So, whoever you choose to trust with your mortgage, make sure they're in it for you.
This is an exciting opportunity! Whether you're purchasing a home, lowering your rate, pulling cash out, or getting a second mortgage to access the equity you've earned (ask us how you can do ALL of this with one product), your investment should feel gratifying, not stressful. You deserve to be excited to accomplish your goals with the help of someone you trust. And that's exactly why we're here.
When you're ready, don't hesitate to reach out and let us know what you're looking for. No matter what type of mortgage you need, you're the only one who has to live with it every day, so you should be the most satisfied with it. And your satisfaction is ALWAYS the #1 goal for us.
Own a house? Take advantage of the free Home Equity Report.
By submitting your information, you consent to being contacted by one mortgage advisor who will be your single point of contact. Your advisor will shop multiple lenders on your behalf to find the best mortgage for your situation. We are NOT a lead generation website; therefore, you will NOT be solicited by multiple lenders. Your information will NOT be shared without your consent.
If attempts to contact you are unsuccessful, you will be automatically removed from our client list, and we will not attempt to negotiate a mortgage on your behalf.
While you may receive a pre-qualification based on information you provide, any offer for a mortgage requires a full application and credit check. You will not receive a pre-approval or an offer for a home loan until a full application and credit check are submitted, reviewed, and approved. All offers are subject to underwriting.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender (NMLS consumer access: https://www.nmlsconsumeraccess.org/_)