Pre approvals… can you trust the advice you have been given?
How many times have I had new clients walk through my
door frustrated because their bank told them they were pre-approved for a
new mortgage; and after presenting their accepted offer hearing they do
not qualify for the mortgage they were told they could get? Lets just say it happens often.
Many of
you have heard about the “stress test” which has become a derogatory
term for many. We are experts, our office has over 30 years in
experience and specializes in mortgage loans, we are trained and
licensed and follow the industry changes.
What can you expect from Harmony Mortgage Group mortgage advisors?
At
Harmony Mortgage Group our licensed advisors have been trained to
recognize each
individual applicants needs at the time of the initial application.
While we boast fast pre-approvals, these pre-approvals are true
pre-approvals. Documentation is collected, credit is reviewed and
scenarios are run with the client; giving them the confidence that they
can write a “subject to financing” offer knowing they are pre-approved
for a new mortgage loan.
The advice doesn’t stop there, once a pre-approval is processed, a
As mortgage brokers we are invested in the outcome of the entire
transaction. Unlike bank employees, as independent mortgage advisors,
we are only paid once the transaction completes. It is in our best
interest to see the mortgage through and make sure our clients get the
best mortgage for their unique needs. But that isn’t where the
relationship ends. We continue to advise out clients for the lifetime
of their home ownership. As their life evolves and their housing needs
change we are just a call away and are always ready to lend an ear and
give advice on next steps.
For some clients we are holding a pre-approval for 6 months to a year
until they find the property that suits them best. Whether they are a
first time buyer or they have owned multiple properties we tailor the
advice we give based on our clients current goals while keeping in mind
their long terms goals.
If you are looking for more expert advice please take a moment to see what others are saying
We boast 1 business day pre-approvals, how do you start? just click the
link to our fast online app, takes 5 minutes of your time.
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