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MORTGAGE TIPS

Hot Tips

Keep Mind During the Home Loan Process

Here are 4 important questions to keep in mind:

  1. How is your credit?
  2. What is your main financial goal?
  3. How will the home be occupied?
  4. What is your minimum down payment?

We'll help guide you through the home loan process by getting to know your goals and overall financial situation. Questions? Lets talk!


Pre-Approval

What do I need for a Pre-Approval

Want to get pre-approved for a home loan but don't know where to start? We got you:

Here's what you need to have ready. We call it... The 2's!

  • 2 years W-2’s
  • 2 year tax returns (if applicable)
  • 2 paystubs
  • 2 months bank statements

2021 is YOUR year! Let's help you make your home dreams come true. Gather those documents and call us today!


Fixed Rate?

Fixed Rate

With a fixed rate mortgage, housing costs won’t be affected by interest rate changes and inflation.

With A 30-Year Term: In the first 23 years of the loan, more interest is paid off than principal meaning larger tax deductions. As inflation and costs of living increase mortgage payments become a smaller part of overall expenses.

Always compare payments, principal, and interest totals to make a decision! Want to know more? Call us today!


Down Payment

Down Payment Q & A

We're busting this myth today!

 

You don't always need 20% down to purchase a home. There are many options out there. Our team has all the resources you need to find what will work best for you!

 

Questions? Give us a call to get answers!


Loan Limits

Conventional Loan Limits

Here's some BIG NEWS for homebuyers!

 

The Federal Housing Finance Agency announced that maximum conforming loan limits for mortgages will INCREASE to $548,250 in 2021 (an increase from $510,400 in 2020).

 

Ready to get prequalified or have questions? Call us today1


Credit

Credit Score

 How do lenders use your credit score?

 Lenders use your credit score to determine your ability to qualify for a mortgage. It is based on your credit history that represents accurately how likely you are to pay your bills.

 The better your score is, the higher your chances are of getting a favorable loan!

 Need to work on your score? We have tools and resources to help you get your credit score up!


Home Purchase or Refinance?
We can help with that.
Conventional, FHA, VA, USDA, Renovation, Construction, Jumbo, Non-Conventional Portfolio Financing
Apply Now
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NMLS ID 1671311    |     FAIR LENDER     |     FAIR HOUSING 

This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. Summerlin Financial, Inc. is an Equal Housing Lender. 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 (provided you have the capacity to enter into a binding contract), 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. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

349 Lake Havasu Ave S, Ste 106

Lake Havasu City, AZ 86403

 info@summerlinam.com

855-726-6683  |  928-854-7747

NMLS ID 1671311    |     FAIR LENDER     |     FAIR HOUSING 

This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. Summerlin Financial, Inc. is an Equal Housing Lender. 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 (provided you have the capacity to enter into a binding contract), 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. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.