faqs

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What is a mortgage brokerage?

Explanation of the role of a mortgage brokerage in connecting borrowers with lenders and finding suitable mortgage options.

Why should I use a mortgage brokerage?

Benefits of using a brokerage, such as access to multiple lenders, personalized advice, and assistance throughout the application process.

How do I apply for a mortgage through your brokerage?

Step-by-step guide on how to initiate and complete a mortgage application with your brokerage.

What types of mortgages do you offer?

Overview of the different types of mortgages your brokerage provides, including fixed-rate, adjustable-rate, and government-backed options.

How are interest rates determined?

Explanation of the factors that influence interest rates, such as the economy, credit score, and loan type.

What documents are required for a mortgage application?

List of documents that borrowers need to provide during the application process, including proof of income, credit history, and more.

What is a pre-approval?

Definition and benefits of getting pre-approved for a mortgage before house hunting.

What if I have a low credit score? Can I still get a mortgage?

Information about how credit scores impact mortgage eligibility and potential options for borrowers with lower credit scores.

How long does the mortgage approval process take?

General timeline for the mortgage approval process, including factors that may affect the timeline.

Can I choose my own lender if I work with your brokerage?

Explanation of how your brokerage collaborates with a variety of lenders to find the best fit for each borrower's needs.

What are closing costs and who pays them?

Overview of closing costs and clarification on whether the borrower or the seller typically covers these costs.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

Comparison of fixed-rate and adjustable-rate mortgages, highlighting their differences and potential advantages.

Do I need to have a down payment to get a mortgage?

Explanation of down payment requirements and potential options for borrowers with varying down payment amounts.

What happens if I want to pay off my mortgage early?

Information about prepayment penalties (if applicable) and the process of paying off a mortgage ahead of schedule.

How can I stay updated on the progress of my mortgage application?

Explanation of communication methods and frequency for keeping borrowers informed about their application status.

Is my personal and financial information secure with your brokerage?

Assurance of data security measures in place to protect clients' sensitive information.

FAQs