Navigating Through the Mortgage Market is Difficult
-- Let Tucker Help You Make It Easy!
Looking for a Colorado 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 very low!
If you're buying a new home in Colorado, property values are very attractive, combine this with
low mortgage interest rates and government incentives (if you qualify) and you could
be in your dream home with a very affordable mortgage payment!
"Will I Qualify For A Mortgage Under The New Criteria?"
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.
Often even the best borrowers are turned down!
Below are the 3 most important factors that go into a Mortgage Loan:
- 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"!
How To Get The Best Rate And Terms On Your Home 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 mortgage company that advertises
the lowest rates is not always the BEST option for your loan -- Usually the interest
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 professional can make ALL
the difference in getting the interest rate you want!
As a Senior Mortgage Banking Officer in Colorado, and a 10 year real estate veteran - I make
communications my top priority:
- Your phone calls are returned promptly. - Over
80% of the Mortgage Professionals don't return their customer phone calls promptly.
You'lI find that I I answer your call directly... guaranteed! I will keep you updated
and informed about the status of your pending home loan.
- You're fully educated on the mortgage process. -
For both first time home buyers or seasoned real estate investors, times have changed.
I will take the time to explain how the process works and the potential items that
may arise during the Colorado mortgage process. This way we minimize any surprises
that may come up.
- You get the benefits of a banker and mortgage broker.
- As a Bank (Academy Bank), unlike most Mortgage Companies - Academy gives
you access to all of the major Fort Collins mortgage programs under one roof. This
enables you to pick and choose the BEST program for you rather than the best program
for the bank.
- You get honest, timely answers. - In the Fort Collins
Mortgage Process you will find that "challenges" may arise from time to time. I
tackle these challenges head on, that way together we can work toward the solution!
- In house appraisals. - Academy 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 the Fort Collins market. Instead it will be kept local,
ensuring that you get an accurate appraisal for your home!
- 48 hour home loan approvals, or less. - Our in-house
loan underwriting gives Academy a faster response when it comes to making a decision
with your Fort Collins Mortgage application. Most lenders are held to a three to
four week waiting period, but with Academy your loan could be approved within
a couple of business days!
- Expert mortgage consultations. - I work for you,
and not the Bank! This means my goal is to find the best home loan program that
fits your individual needs! We discuss your long and short term goals and take a
look at your current financial situation. Then I go to work to find the best product
available from Academy's large network of lenders to help you reach your goal!
"I met Tucker Cusick last spring through one of the organizations we both belong.
I told him we wanted to take advantage of the housing market to upgrade into a better
house but was unable to secure a mortgage even though I have great credit and a
down payment. This was due to the fact that I have been self-employed less then
2 years even though at the time I have been an Optometrist for 5 years. Before talking
to Tucker I talked to at least 3 other mortgage brokers who said it cannot be done.
However,Tucker exhausted all options and found a way to get my loan done! It is
because of Tucker that we are now in the house of our dreams!"
Bethany McKittrick, OD Optometrist
Fort Collins, Colorado
Call Tucker Now For A Free Credit Consultation and Mortgage Rate Quote: 970.980.3579.
Your consultation will include:
Thorough consumer credit history analysis. - 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 your "Debt-To-Income-Ratio." - I'll explain what
this means, and how your loan could be turned down even with excellent credit and
a solid income!
Financial analysis. - 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 receive a mortgage rate quote and program recommendation, to
identify the best Fort Collins mortgage solution for you.
Call Now - and claim your FREE Credit Consultation and Rate Quote - 970.980.3579
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