Ready to take the step of buying a home or refinancing a mortgage? You can trust us to help you locate the loan program that's best for you. We have a team of professionals who are eager to help you with this big financial commitment. For assistance in finding the right program for your unique situation, please call (630) 534-5500.
Our mortgage experts will give you the individual service you deserve and treat you with the respect due an esteemed customer. We know the big commitment you are making in buying a new home, refinancing a mortgage, or tapping into your home equity. So here is our commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
Our mortgage experts will give you the individual service you deserve and treat you with the respect due an esteemed customer. We know the big commitment you are making in buying a new home, refinancing a mortgage, or tapping into your home equity. So here is our commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
Services
To get pre-qualified for a loan, I will collect information about your debt, income, and assets. We'll look at your credit profile and assess goals for a down payment and get an idea of different loan programs that would work for you. I will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.
There is no question that getting a mortgage is a complex process. You would not be looking up loan information if you could get a loan in a single day with a simple application. But Community Mortgage Corp. does the heavy lifting so you can concentrate on your life rather than the mortgage loan. This is a function of a couple things.
Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
You'll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised. The easy answer to "why" is that federal law requires the lender to tell you both. The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
A rate "lock" or "commitment" is a promise from the lender to set a specific interest rate and a certain number of points for you for a certain period of time while your application is processed. This protects you from getting through your entire application process and finding out at the end that your interest rate has risen higher.
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