Mortgage Loan Programs in Myrtle Beach
We offer conventional mortgage loans, VA mortgage loans,
FHA mortgage loans, and USDA mortgage loans. Whether it's a home
purchase, refinance, or new home construction loan,
we have the most comprehensive mortgage loan products available in
Myrtle Beach, South Carolina.
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Real
Estate Attorneys in Myrtle Beach
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Pre-approval vs. Pre-qualification
A pre-approval is much more powerful to take on your house-hunt than
just a pre-qualification. With a pre-approval, you essentially have a
budget and know exactly how much you can spend—home sellers will know
that your offers are serious.
Pre-qualification can be done in as little as five minutes on the
telephone or
online.
Pre-Approved means an application has been completed. It essentially
gives you a working budget — the information on the application has
been documented, reviewed, and some form of underwriting has been done.
Pre-approval will make your offer stronger.
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Real
Estate Attorneys in Myrtle Beach
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Choosing a Mortgage Professional
We are experienced, knowledgeable, and customer-focused
professionals. But don't just take our word for it—go ahead and
ask a few questions to get to know us better.
Following are questions to help you find the right mortgage
professional:
- Do you specialize in any particular types of mortgage
products?
- What sort of background/experience do you have to be
doing this line of work? Do you have any certifications?
- What discount points and origination fees do you
charge? What are all of the costs associated with the loan?
- What is the Yield Spread Premium (a commission paid
by the lender to the loan officer, not indicated until you receive the
closing settlement statement)?
- Do you guarantee your Good Faith Estimate (GFE)? How
can I be assured that there won't be any surprises when I go to close
on my home?
- Can I lock my loan rate with you?
- Are there pre-payment penalties associated with the
loan?
- What hours will I be able to reach you? Do you have
any upcoming dates when you'll be out of town and unavailable? (You
don't want your Loan Officer on vacation when it's time to do your
loan.)
- How often will you update me about the status of my
loan?
- How long does it take to fund the loan (average is
between 21 and 45 days)?
- Why should I choose you instead of another lender?
