copyright 2010 Fort Collins Mortgage Site All Rights Reserved.
"Will I Qualify For A Mortgage Loan Under The New Criteria?"
This is the biggest concern I hear from Fort Collins mortgage clients looking to purchase or refinance a home:
"Can I qualify?"
There are several factors that go into qualifying for a Home Mortgage in today's lending environment. Banks have taken a beating from foreclosures and Mortgage losses. Sometimes even the best borrowers are turned down!
Below are the 3 most important factors that go into a Mortgage Loan:
How To Get The Best Rate And Terms On Your Mortgage!
Choosing the "right" Fort Collins Mortgage Lender can be the difference between your loan being approved or getting TURNED DOWN!!
Smart shoppers understand that the Fort Collins mortgage company that advertises the lowest rates is not always the BEST option for your loan -- Usually the rates that seem "too-good-to-be-true"...are!
To find the "best rate and terms" on your Mortgage -- You need an experienced and competent Mortgage Loan Officer -- I say this because there is a lot that goes into advising Mortgage Rate locks -- and a Seasoned Pro can make ALL the difference in getting the rate you want!
As a Senior Mortgage Banking Officer, and a 9 year Real Estate Vet - I make communication my number one priority. Here is what you'll find working with me on your Mortgage:
- Your Phone Calls Are Returned Promptly - I read somewhere that over 80% of the Mortgage Professionals don't return their customer phone calls. Not returning phone calls is a total pet peeve of mine, you'lI find I answer your call directly - If I don't - Your call will be returned promptly...guaranteed! This is to keep you in the loop on the status of your loan.
- You're fully Educated On The Mortgage Process - First time home buyer or seasoned Real Estate Investor...times have changed. I explain how the process works, and potential items that may arise during the Mortgage Process. This way we minimize any surprises that may come up.
- You get the Benefit of A Banker and Mortgage Broker - As a Bank (Waterstone Bank), unlike most Mortgage Companies - Waterstone gives you access to all of the Major Mortgage Banking programs under one roof. This enables you to pick and choose the BEST program for you...(not the best program for the Bank).
- You get honest answers - In the Fort Collins Mortgage Process you will find that "challenges" may arise from time to time. I don't believe in "beating-around-the-bush", instead I tackle these challenges head on, that way together we can work toward the solution!
- In House Appraisals - Waterstone has a dedicated In-House Appraisal department that manages the HVCC (Home Valuation Code Of Conduct) Appraisal process. This means your Appraisal will not be sent to an appraiser that does not understand the Area. Instead it will be kept local, ensuring you get an accurate value for your property!
- 48 Hour Loan Approvals Or Less- Our In House Underwriting gives Waterstone a faster response when it comes to making a decision on your Fort Collins Mortgage. Where most Lenders are held to three to four week waiting periods, your loan could be approved in less than a couple of business days!
- Expert Consultation - As I said before - " I work for you" not the Bank! This means my goal is to find the best program that fits your individual needs! We discuss your long and short term goals and take a look at your budget and current financial situation. Then I go to work to find the best product available from Waterstone's Large network of Lenders to help you reach your goal!
Call Tucker Now For A Free Credit Consultation and Rate Quote:
970-372-6410
Purchasing a Home Or Refinancing An Existing Fort Collins Mortgage - Call Tucker today and receive a FREE Credit Consultation and Interest Rate Quote which Includes:
- Thorough analysis of Consumer Credit history - To determine if you qualify for a Mortgage or Not. And what steps need to be taken to qualify in the future!
- Thorough analysis of "Debt-To-Income-Ratio"- What that means, and how your loan could be turned down even with Excellent Credit and Great Income!
- Q and A Session - To determine your monthly housing budget, and breakdown your long and short term goals.
- Interest Rate Quote and Program Recommendation - Based on the information we discuss, you will get a Mortgage rate quote and program recommendation!
Call now - and claim your FREE Credit Consultation and Rate Quote - 970.372.6410.
This is not a commitment to lend. Fort Collins Mortgage. Fort Collins Mortgage rates may change daily.
Fort Collins mortgage purchase.Fort Collins refinance solutions also available. About Us.
Navigating Through This Complicated Fort Collins Mortgage Market Is Difficult -- Let Tucker Help You Make It Easy!
Looking for a Home Mortgage?
There's never been a better time to purchase a new home or refinance an existing home Mortgage Loan! Mortgage Interest rates are STILL at record LOW levels!
If you're buying a new home, property values are very attractive, combine this with low Mortgage Interest rates and Government incentives (if you qualify) you could be in your dream home with a very affordable payment!
Tucker Cusick
Mortgage Banker
- Credit Score and Credit History - Your credit score gives lenders an idea about your payment history. This gives them an idea about how you will pay their loan back!
- Debt Ratio - Your debt load versus how much income you bring in gives the lender a picture of "if" you can afford a new house payment!
- Home Value - An appraisal is used to determine the value of your home or future home (if you're buying). The higher the loan balance is to the value of the home makes the loan more "risky"!
Contact Tucker Today For A FREE Fort Collins Mortgage Consultation:
CALL - 970-372-6410
Serving Northern Colorado and Wyoming.
3555 Stanford Road, Ste. 207 Fort Collins, CO 80525
TCusick@WaterstoneMortgage.com
FREE Mortgage Guide
Avoid Making:
The 5 Biggest Mistakes Home-Buyer's Are Making Today.
CLICK HERE To Download Your FREE copy!