With competitive rates and personalized service, Timberline Lending is here to make your homeownership dreams a reality!
With competitive rates and personalized service, Timberline Lending is here to make your homeownership dreams a reality!
Rely on long term security with a fixed rate mortgage. This type of home loan features an interest rate that remains fixed over the life of the loan.
Keep your options open with an adjustable rate mortgage (ARM). This type of home loan features an interest rate that changes after a fixed amount of time.
1. Plan your spending and start saving for a down payment
It's crucial to decide your needs and budget before even beginning to look at homes for sale. Then begin accumulating funds for the down payment.
2. Get pre-approved
Submit a mortgage application to Timberline Lending. Know your purchasing power, your monthly payment alternatives, and use a pre-approval letter to convince sellers that you mean business.
3. Contact the agent, submit an offer, and sign the contract
Begin your home search! A real estate agent works with you to discover your ideal property within your price range since they are knowledgeable about your neighborhood. Present a purchase agreement to the seller with all the specifics when you discover the ideal house.
4. Contingencies, appraisal, underwriting, close, move
Once an offer is accepted, the residence must be evaluated. The financials will then be reviewed by underwriters before you are cleared to close. Then it's time to sign and move in.
1. Determine your objectives
Refinancing can cut your monthly payment, help you pay off your mortgage quicker, or allow you to consolidate debt with a cash-out refi.
2. Calculate the figures
Refinancing involves more elements than just a new interest rate. Run the numbers to see how your monthly payment and mortgage conditions can change.
3. Secure your loan
Most homeowners refinance seeking a new, cheaper interest rate, but rates vary on a regular basis. When you're ready, apply for a refinancing and lock in your new mortgage rate.
4. Finish your refinancing
Closing a refinancing should feel comfortable. You'll get an appraisal, then go through underwriting and finally complete the loan. But you've already moved in this time.
✉ timberlinelendingco.com
☎ 303-699-2102
NMLS License: 857935
Company NMLS: 2528109
Copyright © 2023 Timberline Lending - All Rights Reserved.
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