mortgage on the best terms
Financing
Our preferred lenders are reliable partners we’ve trusted for years.
We work closely with four independent lenders. While we’re not directly affiliated, they all know our process well, and we know theirs. That means smoother sailing for you. Plus, four avenues for lending creates just enough healthy competition, so you get the absolute best rate possible, minus the overwhelm. From application to closing, our lending partners will have your back.
Applying for a mortgage loan is a process. Whether you’re buying or building with us, we’re here to guide every step.
Get Organized
Step one is gathering. Get your free credit score (and double-check your report), gather your bank statements (yes, actual statements), and all documents pertaining to proof of income.
Pre-qualification
For the curious. Pre-qualification is a casual step to help determine if you qualify for a mortgage loan. With only a soft credit inquiry, you can get prequalified to sign a contract with us.
Pre-approval
For the serious. The documents you gathered come into play here, and your credit will be fully evaluated. Gaining a loan pre-approval letter is the first official step toward buying a home.
Approval
Almost home. Within 30 days of signing a contract with us, you’ll need to provide a binding loan commitment. This indicates that you’re fully approved and ready to take on your mortgage.
Financing Partners
RATE
Rate was built on the principles of low interest rates, complete transparency, excellent customer service, groundbreaking technology and a quick, easy mortgage experience. We achieved that by innovating superior systems to make the mortgage process easier and more transparent for everyone, and by creating a culture of positivity in which people have the opportunities to improve their lives and achieve their dreams. Whether you are buying your first home or your tenth home, Sebastian is here to help. His commitment is to guide you through every step of the mortgage process while providing personalized support to meet your unique financial needs. Contact Sebastian today to explore your mortgage options and achieve your homeownership goals with confidence.
VyStar Credit Union
VyStar Credit Union has been in the Florida Market since 1952 and is directed by two simple practices; Do Good and Bank Better. At VyStar Mortgage we are committed to our Members in everything we do, from competitive pricing and products to streamline loan application process. Connect with your local VyStar Mortgage Loan Officer to find out more.
CMG Home Loans
CMG Home Loans offers various loan programs, including conventional loans, VA loans, FHA loans jumbo loans, and renovation loans. They aim to provide borrowers with flexible and affordable financing options to meet their individual needs. The company prides itself on delivering exceptional customer service and a streamlined loan process. Every Customer, Every Time, No Exceptions, No Excuses!