What can you expect from the mortgage process in Sacramento or Roseville? The answer to that question hinges a great deal upon the broker you choose to work with.
The right mortgage company can make the home purchase or refinance process a fast and easy one. But how do you find the right broker? Here are some recommendations for what to look for when you are making your selection.
Know exactly what you can afford before you search for homes.Today's Mortgage Rates
Qualities of a Good Mortgage Company
- An established network. Both the types of loans and the rates which a mortgage broker can bring you depend on that broker’s network. A larger, more established network allows a broker to connect you with a wider variety of loan products, and may also assist them in bringing you more competitive rates. Steelman Mortgages is based in Roseville, but we work with lenders throughout Sacramento, Placer and El Dorado counties, and beyond.
- Local knowledge. You will have the smoothest experience working with a mortgage company that understands your needs and goals, and that means being familiar with the real estate market you are trying to navigate. Steelman Mortgages works with customers throughout the California, but we focus particularly on serving those in the Sacramento and Roseville region. Since we are based here, we know the area well, and can help you navigate the local market, connecting you with the products and services you need.
- A variety of loan programs. Homebuyers all have different needs with respect to down payment amounts, credit qualifications, rates, loan terms, mortgage insurance and more. A mortgage broker that can connect you with many different types of loan programs can help you find the one which is the best fit for your individual needs. We offer conventional loans, jumbo loans, FHA, USDA and VA loans, bank statement loans, and mortgages for first-time homebuyers.
- A personalized loan process. Speaking of bank statement loans, not every homebuyer can use the cookie-cutter application process that the big banks offer. What if you are self-employed or own your own business? What if you do not have a W-2? A mortgage broker that offers bank statement loans will not require you to provide a W-2 when you apply. By offering bank statement loans as well as traditional loans, Steelman Mortgages tailors the lending process to your situation.
- Education. A mortgage company should put your best interests first, which starts with making sure that you understand the different types of loans and how each of them could impact you financially. Steelman Mortgages helps you make informed decisions by answering your questions and giving you in-depth, transparent information about mortgages and the mortgage process.
- Simplicity. The mortgage process does not have to be a complicated one when you work with a California mortgage broker that makes it simple. One of our priorities at Steelman Mortgages is streamlining the mortgage process and removing unnecessary clutter. By doing so, we make it pleasant and enjoyable to purchase a home, and we speed up the process so that you can close rapidly.
- Amazing communication. One thing you won’t get from the big banks is continuous personalized communication and support throughout the mortgage process. But that is something you should look for when you are choosing a mortgage company in Roseville or anywhere in CA. Cindy Steelman answers her calls personally and provides regular updates to customers throughout the mortgage process. If she is on another line, she gets back to customers fast.
- Ongoing support. A mortgage company shouldn’t just be there for you today—they should also be there for you tomorrow and every day after for the lifetime of your mortgage. Steelman Mortgages will always be here for you if you have a question or want to make a change to your mortgage later down the road.
Buy a Home or Refinance With Steelman Mortgages Today
Are you ready to make the mortgage process an easy one? Buy a home or refinance in CA the fast, simple way with your Roseville mortgage broker Steelman Mortgages. To schedule your consultation, call Cindy Steelman today at call (916) 847-7263.
Know exactly what you can afford before you search for homes.Today's Mortgage Rates
