There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience. Randall has been a mortgage professional since 2002.
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience. Randall has been a mortgage professional since 2002.
Services
We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs.
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
The FHA guarantees all FHA loans. What that means is that if the borrower defaults on the loan, the FHA will pay the lender the remaining balance on the loan. That guarantee makes FHA loans a low-risk option for lenders, which in turn means that lenders tend to be more flexible with their FHA loan lending requirements than they would be for their more conventional loans.
VA loans, like conventional loans, are offered through authorized lenders, such as your bank or financial institution. Lenders typically have less stringent qualification requirements for VA loans since the loans themselves are guaranteed by the VA. That means that if you default on your loan, the VA will step in and cover the lender for the rest of the loan.
What counts as a jumbo loan depends on which part of the country you live in. While in most counties a jumbo loan is any mortgage over $510,400 for a one-unit property, this limit does increase for both high-cost areas and if there is more than one unit.
In Alaska, San Francisco, Los Angeles, New York City, Washington, D.C, and a handful of high-priced towns, like Aspen, Park City, and Jackson Hole, the threshold for a jumbo mortgage for a one-unit property is $765,600.In other cities, such as Boston, Salt Lake City, Denver, and Seattle, the threshold for a one-unit property jumbo loan falls somewhere between $510,400 and $765,600.
In Alaska, San Francisco, Los Angeles, New York City, Washington, D.C, and a handful of high-priced towns, like Aspen, Park City, and Jackson Hole, the threshold for a jumbo mortgage for a one-unit property is $765,600.In other cities, such as Boston, Salt Lake City, Denver, and Seattle, the threshold for a one-unit property jumbo loan falls somewhere between $510,400 and $765,600.
Reviews (1)
Rico Rodriquez Collins
Jul 06, 2021
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I just don't even bother looking at other companies anymore. The fact that I can get a square deal with a broker I can trust, who would work so hard for me, is unmatched by anyone else.
[updated June 2021] One more thing: With rates being so low, there are a lot of scammers and double-talkers out there. I'm having to vet more so-called "refi offers" than ever before, and am finding a lot of hidden (and some just downright brazen) fees.
However, with Randall Thomas @ LoanEnvy, I had NO JUNK FEES, I repeat NO JUNK FEES. When he said it was a No Cost Refi -- it wasn't a "I'll tack on fees later
[updated June 2021] One more thing: With rates being so low, there are a lot of scammers and double-talkers out there. I'm having to vet more so-called "refi offers" than ever before, and am finding a lot of hidden (and some just downright brazen) fees.
However, with Randall Thomas @ LoanEnvy, I had NO JUNK FEES, I repeat NO JUNK FEES. When he said it was a No Cost Refi -- it wasn't a "I'll tack on fees later
