With Shield Lending Team, our goal is to help educate you on the lending process and to help you better understand what loan programs may work best for you.
Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.
Edge Home Finance is a true Mortgage Broker
We’ll review the final numbers with you and the title company will issue wiring instructions so you know where to send the money. When you go to closing, remember to bring two forms of ID, and to stretch your wrist because you’ll leave with writer’s cramp from so much signing. You might want to practice shortening your signature if you write a paragraph every time! However, you’ll also leave with the keys to your house so it’ll all be worth it!
As much as we would love to tell you yes, you aren’t 100% done quite yet. Our initial documentation gets submitted to the lender’s underwriter, who might need clarification from you on some items. We’ll keep you posted if we need anything from you.
The good news is, you and the Shield Lending Team have done our due diligence up front and we are excited to congratulate you on this huge milestone!
Please start gathering your documentation and items the lender will need to approve your loan. These may include your W2’s, tax returns (specifically if self employed), paystubs, ID’s, information on who you want to use for your homeowner’s insurance, etc. We will review these items and issue a preapproval letter so you can begin shopping for your perfect home.
Absolutely! Buying or refinancing a house is a very big deal and we want to make sure that anyone involved in the process, even from an emotional support and/or guidance capacity, has their questions and concerns addressed. Even if it has to be nights or weekends, we are happy to accommodate.
With Shield Lending Team, our goal is to help educate you on the lending process and to help you better understand what loan programs may work best for you. Depending on your situation, we may explore conventional, FHA, jumbo, VA, USDA or several other loan types that might best fit your needs.
With the Everetts Lending Team, we always like to begin the process with a phone conversation to allow you to get to know us a bit and to ask any initial questions you may have. Provided everything goes well, we then take our process in three steps. The first step is to complete an application, which can be completed online or over the phone depending on your preference. Either way, it’ll only take about ten minutes and you’ll be asked about your job, income, and any assets. Our second step is the collection of any crucial documents that may help approve you for the best loan programs available. At that time, we will schedule a full loan consultation with you to review your credit report, your various loan options and suggest what we feel will be best for your personal situation.
