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Our goal is to help people in our communities obtain new home loans and refinance existing mortgage loans. As a broker, we have access to national and regional lenders- many of these banks are inaccessible to our local community. With a wide variety of loan options available, our clients have the best competitive advantage in finding the right solution that meets their needs. Also as a broker, we are able to give you old-fashioned personal service not seen today at the name brand banks.
HONESTY
SINCERITY
INTEGRITY
At Grandview Lending we offer a full line of conventional home loan programs to fit all situations. We also specialize in helping people with credit challenges like late payments, bankruptcy, and many others. Your Senior Mortgage Specialist will take you through a pre-consultation session to accurately assess your needs and plans for the future.
The loan process starts with these 5 steps
1Pre-consultation
Everyone’s needs and situations are unique. There are hundreds of different ways we can structure your home loan based on your individual needs. This is why the accurate collection of information is critical. Getting into a loan program that is not right for you, can cost you thousands of extra dollars. During the pre-consultation, our Senior Mortgage Specialists will ask you a series of questions to gain an understanding of your financial situation, future plans and goals. With this initial groundwork in place, we can move forward in the right direction with the confidence that we are serving your needs.
2Information Packet Review
Having the right information upfront is critical in making the best possible home loan decision. Immediately following our pre-consultation, we will give you a packet containing very helpful information about home financing options and our money-saving reports to help you prepare for closing on the best mortgage for you.
3Pre-approval Application and Initial Approval
When making an offer on the home of your dreams, being a pre-approved buyer will give you credibility and verified buying power. It will also let you know exactly how much you can afford to pay for a home, so you can use your time wisely, looking for the perfect home in the price range you can afford. The pre-approval application process is exactly the same application process you will go through to officially apply for your new home loan. It takes into consideration your employment, credit score, assets, liabilities and income. The application process analyzes the level of risk our lenders would take on and determines if, and for up to what dollar amount, that investor would be willing to loan to you.
4Refinance or Shop for a New Home
Finding the perfect home can be pretty exciting! And working with a knowledgeable Realtor® can help you make important observations, negotiate offers and structure the purchase agreement with your best interests in mind. If you don't have your own real estate agent, your Senior Mortgage Specialist would be glad to recommend a few highly qualified agents to you.
5Loan Consultation
A properly structured home loan will maximize every dollar spent on your home and provide the greatest possible return on your investment. At Grandview Lending, we analyze your situation, and during your consultation we will show you how to make your home loan work for you. Your Senior Mortgage Specialist will provide three to four money saving alternatives customized to your situation. We will also discuss the short and long-term advantages as well as the tax benefits each program has to offer, so you can make your home a solid investment.
He is your personal shopper, an advocate. This gives you choices and sets up competition between lenders which is good for you. A bank can only show you what they offer at their bank. A broker compares programs and rates from all over the country to find you choices based on your financial situation, timeline, location and other factors. He helps you choose which saves you time, frustration, and significant money over the life of the loan.
Grandview Lending, Inc is an Equal Housing Opportunity. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
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