While some companies will fly by the seat of their pants and give out a rough estimate of people’s mortgage outlook, we think that’s… well… dumb. It’s a waste of our time and yours to say “Oh, you think you make $100 Grand? Sure, we can get you “X” amount of dollars for your loan,” and when you come in with W2’s, suddenly that rough estimate you received doesn’t exist because you don’t qualify. Well, that’s not how The Home Loan Expert does things.
We want you to come at us with EVERYTHING. Bring in: Pay Stubs, W2’s, Bank statements, Homeowners Insurance, Tax information, and anything that gives us a clear picture of you and your financial well-being. We need to know all there is to know about you, upfront, before we can give you a clear picture of what we can do for you. If you give us inaccurate/incomplete information, we can’t do our job properly and it slows down the whole works. Listen, we like to create a detailed report on you up front, so that we are able to give you an accurate quote. Isn’t that what everyone wants?
We do all of the homework up front for you. There’s a reason that we’re The Home Loan Expert team – nobody is better at taking your information and getting you the best interest rate available. We can only get this done for you when we get all of the information. No matter how small you may think it is, we need to know. We’ve found out after creating a plan for people that they own a second home that they’re paying on. That will affect your mortgage on this house. Anything that affects your debt-to-income ratio needs to be told to us upfront. We’ll find it if not, so it’s best to give us everything, even if you think it’s unimportant. You don’t want us bothering you asking for more information down the line, delaying the loan, do you?
At The Home Loan Expert, we believe in FIRM numbers. There should be no surprises at the end of this process, and we don’t give out rough estimates. We just do our homework and work our tails off to get you the best interest rate in the mortgage industry, whether you need a HARP, FHA, VA, USDA, Jumbo, Conventional or any type of loan. Contact us today in St. Louis at (314) 781-9700 and visit www.thehomeloanexpert.com/newlook/saint-louis to apply online. We make it easy to refinance your home at a lower rate. If your interest rate is not in the 3’s, call us today.