There is no obligation when you request information from us. Regardless of the type of loan you are considering; all you have to do is fill in the relevant information on the “Your Information” page and hit “Send” when you are finished. We will contact you promptly, to verify exactly what you are seeking to accomplish with your loan and to answer your questions. We then work up your options and present them to you. If everything is to your satisfaction we will then meet to get a loan package signed so we can submit your loan for approval and move towards a rapid close.
 
Buying a Home? Here Are the Basics
 
Obtain Mortgage Pre-Approval Before You Begin House Hunting
  • Learn how much you can afford
  • Strengthen your bargaining position with sellers
Choose a Real Estate Agent
  • Ask mortgage lenders to recommend agents they work with
  • Select a reputable professional who’ll listen to your needs and make you feel comfortable
  • Ask agents for references from former clients
Find the Right Home
  • Determine the needs of you and your family
  • Create a wish list of desirable features
  • Take notes as you preview homes
Make an Offer
  • Your real estate agent presents your offer to the seller, who will accept, counter or reject it
  • When the price is settled, you and the seller sign a Purchase Agreement, defining the terms of the sale
Obtain Title Insurance
  • This guarantees that the property you are purchasing is free of liens or confusion in rights of ownership
  • The policy insures against any losses to the property that result from defects in the title or deed
Have the Home Inspected
  • Hire a professional home inspector after the offer has been accepted to provide an in-depth look at the basic systems of the house, to reveal any safety hazards and give you a chance to reconsider the deal
The Home Will Be Appraised
  • An appraisal, required by your mortgage lender, is a formal, written estimate of the home’s current market value
Close on the Property
  • Ownership of the property is transferred
  • A closing agent coordinates and distributes all the paperwork and funds
And you become the proud owner of your New Home!
 
Is It Time to Explore Refinancing
Refinancing your home loan to a lower interest rate or shorter term may result in significant savings. And as economic conditions change, you want to be sure you still have the best home financing arrangement for your current and long-term financial goals. Is refinancing right for you, right now? The greater benefits of refinancing your home are lower monthly payments, build equity faster, & access tax-deductible funds.
 

MORTGAGE EXPERTS A.L. CORP.
Mortgage Experts A.L. Corp.,
1717 E. Morten Ave., #200
Phoenix, AZ. 85020
(602) 944-5626 Phone
(602) 870-5626 Fax

info@swmortgageexperts.com