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经纪人与Pre Approval

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Pre-approval Process

A pre-approval allows you to apply for a loan and have the lender make 经纪人与Pre Approval an initial assessment of your financial position before you have found a specific property that you intend to purchase. The lender will consider most aspects of your application including your income, equity, savings history, employment status and credit history.

The biggest advantage of a pre-approval is that you have the confidence and you are more aware of 经纪人与Pre Approval your lending position when negotiating through the purchase process. It also means that the ball 经纪人与Pre Approval is already rolling so you are more 经纪人与Pre Approval likely to meet a shorter settlement time and have less stress through the approval process. The application process is straightforward and requires only a few simple forms to be completed. Arranging a pre-approval saves you time and allows you to focus on purchasing the property that meets your needs. Talk to your Mortgage Express Adviser to arrange a pre-approval.

经纪人、银行和在线贷款人之间的区别

Navigating the beginning of your mortgage process may seem like a daunting task. 如果你最近在网上搜索了一些抵押贷款问题, 你可能会被放款人的网络广告轰炸,试图把你拉向他们的方向.

对于抵押贷款公司来说,这些选择有什么区别呢? What makes one lender better than the others? Let’s take a look.

Mortgage Brokers vs. Lenders

A mortgage broker helps you find a lender. Brokers don’t actually 经纪人与Pre Approval lend money. Most homebuyers opt for finding a lender on their own.

问题是,为什么购房者还会使用抵押贷款经纪人? 如果一些买家的申请已经被几家公司拒绝,他们可能会聘请经纪人的帮助. 如果可能的话,经纪人可以帮助他们找到愿意借钱给他们的贷款人. 其他买家可能只是享受不必为贷款方货比三家的便利.

使用经纪人的明显缺点是他们必须得到报酬. They’re a middleman between you and your lender. 有些经纪人确实会提供贷款方支付的补偿,这意味着你的贷款方最终会支付给他们. 他们的条款可能会随着房地产市场的状况而改变.

Questions to 经纪人与Pre Approval ask a broker

  • Do you think I can qualify for a home loan?
  • Can I see a list of all the lenders you work with?
  • 与你合作而不是直接向贷款人求助的优势是什么?
  • How do you structure your fees?

Money from a mortgage lender

Banks, Credit Unions, and Online Lenders

Retail Banks

但是由于他们的信贷员被限制只能使用他们雇主的贷款项目, 他们可能不会为你的特殊情况提供最好的选择. 银行的信贷员也不需要有执照. 此外,银行不必披露他们是如何补偿你的贷款的. 你可能会在不知情的情况下错过另一家银行的存款.

Credit unions

你的信贷员的工作时间可能会比专门的当地抵押贷款公司窄得多. And since credit unions tend to run small, 他们的技术可能落后于大银行和专门的抵押贷款机构. In this day and age, 您应该期待易于使用的移动技术和真正的人类帮助的完美结合.

Online-only lenders

像“火箭抵押贷款”这样的在线贷款机构已经有了起色,这是有道理的. They’re quick and straight to the point. But getting a mortgage isn’t like ordering from Amazon.

只提供网上贷款的银行缺少许多购房者所需要的几个要素:与当地房地产中介的优质联系, localized down payment assistance programs, and face-to-face guidance through the process.

Watch for Red Flags

你选择的抵押公司只和你指定的信贷员一样好. 他们的团队将照顾你的文件,从申请到结案表. 但如果他们表现出上述任何一种迹象,考虑继续寻找另一家贷款机构:

  • 在工作初期不及时回复电话、短信和邮件
  • A hesitance in showing you a sample closing sheet
  • An overly sales-ey or pushy way of communicating
  • 对回答你的问题(即使是小问题)显得不耐烦
  • Losing your documents early in the process
» READ MORE: 4 Questions to Ask 经纪人与Pre Approval Your Mortgage Lender

Team with a lender you 经纪人与Pre Approval can truly trust!

在高尔夫球场的伍德集团(Wood Group of Fairway),我们看到每个借款者的档案,就好像它是我们自己的一样. You’re not another number; you’re trying to make a big move for your family’s future. Check out what our borrowers are saying from all across the state of Texas. 看看你有什么资格-让我们开始你的免费预审今天!

Start your home loan pre-approval today!

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The Wood Group of Fairway
Independent Mortgage Corporation
127 Lake Rd #300, Belton, TX 76513
Monday to Friday, 8:30am – 5:00pm
254.933.9500

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Branch Manager:
Matt 经纪人与Pre Approval Wood, NMLS 317789

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Texas Consumer Complaint and Recovery Fund Notice (View or Print)

Wood Group of Fairway Independent Mortgage Corporation根据德克萨斯州法律获得许可,并接受储蓄和抵押贷款部门的监管监督. Consumers wishing to file a complaint 针对im体育平台app下载家或持牌住宅抵押贷款发放人的投诉,应填写并向德克萨斯州储蓄和抵押贷款贷款部发送投诉表格, 2061 North Lamar, Ste 101, Austin, TX 78705. Complaint forms 有关指示,请浏览卫生署网页 sml.texas.gov. A toll-free consumer hotline is available at . The department maintains a recovery fund 支付借款人因持牌住宅按揭贷款发放人的行为而实际自付的损失. 从恢复基金中偿还款项的书面申请,必须提交及 在申索付款前由有关部门进行调查. 有关恢复基金的详情,请浏览本署网页 sml.texas.gov.

预先批准是基于提供给航路独立按揭公司的信用信息的初步审查,而该信息尚未经过承销的审查. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.

经纪人与Pre Approval

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大波士顿地区房地产经纪公司 (781) 367-8522 [email protected]

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"我们家最近因为工作变动从俄亥俄州搬到波士顿。我们花了很多时间在列克星敦、温彻斯特和其周边城镇寻找我们理想的房子,在接触Carlos前,我们曾与几个本地的房地产经纪人接触,但与Carlos见面后,我们马上意识到他是我们所要找的房地产经纪人。Carlos是我们所见过的最知识最渊博、最勤奋、最诚实和最好的倾听者,他才是我们想要找的房地产经纪人。他帮助我们在列克星敦找到了理想的家。我们很乐意推荐他的专业服务。" - T. Li & Y. Fang (Lexington)

"Carlos的职业风范和对列克星敦房地产市场的了解给我和我妻子留下了深刻的印象。他给我们家房屋销售过程中的每一步都提供了宝贵的建议和指导。在我们每一次需要做出决定前,他总是给我们提供几个选择并附上他的建议。他专业、办事迅速、有礼貌,他的服务超出了我们的预期。由于他专业的营销技巧,我们总共收到了11个报价,我们很乐意把他推荐给在列克星敦出售房屋的任何人。" 经纪人与Pre Approval - P. Wang & J. Yu (Lexington)经纪人与Pre Approval

"首次购房者总是有很多的问题,但Carlos总是用很大的耐心来指导我们有信心地走完整个购房过程的每一步。从我们的第一次面谈到最后的签约,Carlos总是不厌其烦、非常专业地和我们解释。Carlos对温彻斯特市的了解让我们感到吃惊,他能记住温彻斯特市每一条街道是否有双黄线和单黄线。我们毫无保留地把他推荐给所有想在温彻斯特买房的人。- S. & J. Grey (Winchester)

"在我们购买我们在阿克顿的家之前的6个月时间里,我们几乎每一个周末去看Open House。我们在参观Open House时,我们看中了一套独立房,当我们请求Carlos帮助给出一个报价的时候,他立刻用他充分的理由说服我们不能购买这个房子。我们非常感谢他的诚实和他的专业知识。在他的帮助下,我们很快找到了我们梦想家园。Carlos是我们一生的房地产经纪人和一辈子的朋友。我们把他推荐给所有想在阿克顿买房的家庭。" - S. Carboni & G. Guo (Acton)

"我们最近从伯灵顿搬家到韦尔斯利,我们邀请Carlos担任我们伯灵顿房屋的卖方代理和韦尔斯利房屋的买方代理。我们对Carlos的"客户第一"经营理念留下了深刻的印象。他总是给我们很多选择和建议,从来没有把我们推到一个做草率决定的境地。Carlos拥有良好的沟通、谈判和人际交往能力。他制定营销策略,并通过大量的媒体推广我们的房子。我们收到了好几个报价,最后的售价远高于我们的预期。我们立即毫不犹豫地与Carlos签定了独家买房代理协议,聘请Carlos为我们韦尔斯利住房的独家买方代理。" – H. Dong & Y. Meng (Burlington/Wellesley)

"我们通过投资移民从中国移居到波士顿。我们在波士顿没有任何朋友,我们对波士顿房地产市场也一无所知。我们能在来到美国后的第二天就得到Carlos的帮助感到非常幸运。Carlos不仅与我们分享他精辟的房地产市场、公立学校教育、交通的分析,帮助我们迅速作出房子地理位置、房屋预算的决定。他愿意花额外的时间帮助他的客户。在整个购房过程中,我们始终与Carlos保持着良好的沟通和交流,我们对我们所买的房子非常满意。" - L. Peng (Weston)

"Carlos是一个优秀的房地产经纪人,也是一个很好的朋友。在我们购买位于韦兰市新家的过程的每一步,我们都得到了Carlos的帮助和指导。他出色和独有的合销售、市场营销、谈判和人际交往能力组合确实给我们留下了深刻的印象。他对每一笔房地产交易所投入的时间承诺、他对工作的热情使每一个客户都能得到满意的结果。我们很高兴有幸与他共事,我们把他推荐给任何一个想在波士顿地区买卖房产的人。" – C. Dai & H. Wu (Wayland)