There are so many different loan products available today it can be difficult to know which one is the best option for you. It is our mission to listen to your needs and goals and then help you navigate the mortgage loan process as quickly and easily as possible. We love our jobs! Every day we have the privilege of helping people achieve their personal and financial goals.
Whether they are buying their first home, upsizing, downsizing, or refinancing to save money - every client experience is a joy for us. My sincerest appreciation for Benchmark Birmingham's professionalism and leadership. I have seldom seen more dedication and drive from a company determined to show you "What Right Looks Like".
Whether they are buying their first home, upsizing, downsizing, or refinancing to save money - every client experience is a joy for us. My sincerest appreciation for Benchmark Birmingham's professionalism and leadership. I have seldom seen more dedication and drive from a company determined to show you "What Right Looks Like".
Services
At Benchmark, we place our relationships above all other things - because relationships come first; all other things are secondary. Our business is founded on preserving and strengthening all current and future relationships, which are the backbone of our company. Every person we choose to align with is thoughtfully and strategically selected.
There are so many types of mortgage loans for home purchases that it can be overwhelming trying to determine the best option for your home purchase. Most purchasers think they want a conventional loan but we often find that they may qualify for an FHA, VA or USDA loan resulting in a more optimal payment or interest rate.
Conventional Mortgage Loans are usually the first choice for borrowers with excellent credit. Conventional mortgage loans typically require a minimum down-payment of 5% and requires mortgage insurance if the down payment is less than 20%. Conventional loans can have fixed or adjustable rates, the term can be anywhere from 10 to 30 years with a loan limit of $548,250.
When it comes to VA Mortgage Loans, our team of certified Veteran Specialists are the elite operators of the mortgage industry. Our motto is to always do right by the Veteran. That means ensuring Veterans get the American dream they served to protect. Benchmark Mortgage is a veteran advocate. Eligible veterans and active duty service members are able to take advantage of their VA loan benefit.
A USDA Mortgage Loan is a zero down-payment option that is only available for certain geographic areas specified by the United States Department of Agriculture (USDA). USDA loans are designed to assist buyers with lower income. Credit score is still important as well as debt-to-income. Most borrowers are not familiar with USDA mortgage loans and may not be aware they are eligible.
