A true Advisor – We know the mortgage interest rate market and we know mortgage loans. Your loan officer will be able to provide you with advice as to when to lock your interest rate as well as making sure your mortgage fits into your overall financial plan.
Many of our customers are referred to us after being misled on a prior loan application with another provider. In many cases, they arrived at their closing only to find their loan was not what they had been promised. Not with us.
With First Class Financial Services, you’ll go to your closing knowing that your closing costs are guaranteed and all aspects of your loan are accurate. We do our part to ensure one of your biggest purchases is smooth and stress-free. No surprises at your closings makes for the best surprise in the end.
Should I lock in the interest rate now or wait? Should I pay mortgage insurance or have the bank pay it? Should I put 20% down or 30%? These and many more questions are answered based on your future goals. When your ready, we are here to guide you through to the right decision for you.
Applying and qualifying for a mortgage should be easy. Get us your information through our secure online application and we will get to work on approving your loan. You will be ready to purchase or refinance in no time. When documents are ready for signature, they can be eSigned or emailed to you for signatures.
What is easiest for you? Our team will send you a secure link to upload the required documents, they can be emailed or faxed and if you would prefer you can come see us and drop them at our office.
Most companies send in all your documents to the underwriter at this point. We actually Pre-Underwrite your loan first. This eliminates unnecessary surprises later in the process. Once our due diligence is complete, we will send your file to an Underwriter for final approval well before closing.