Mortgage Company Wildwood
Thank you jet mortgage Team. Enid -Michelle-Irene and the team are simply the best, with the speed and being on top of everything. they treat their clients like a king . dont look anywhere else if you're looking for a mortgage this is the one and last stop. they are PRO and will get you the best rates .words can't express how thankful we are. thank you for getting us into our first home.Rachel Nieves
What a pleasure it was working with Peter, Jeff and Lauren. They are very knowledge in their field. The explained every step of the way what was happening and what we were to expect. We must have emailed them a million times and they never were upset at us for doing so. Not only did we use them to get our mortgage, but they can help years later to modify your mortgage and try to bring down your rates. We could have never of sold and bought our new home without them. I highly recommend them.
- Cristin Savino
As a first time home buyer I was very nervous about the whole home buying process. Peter Pescatore and his team were very helpful, polite, and extremely professional throughout the entire process. And, best of all, they got me a better rate then I was hoping for! They made buying my first home completely stress-free. I highly recommend using Jet Direct for any of your home buying needs!Paul Teri
As first time home buyers, we were grateful to work with Sal Petrozzino! Not only is he personable, but he was always available to answer any questions we had along the way - didn't matter if it was nights or weekends. His guidance and expertise helped us to make the best possible decisions as we worked to close on our new home.
- Cristin Savino
As a first time home buyer I was very nervous about the whole home buying process. Peter Pescatore and his team were very helpful, polite, and extremely professional throughout the entire process. And, best of all, they got me a better rate then I was hoping for! They made buying my first home completely stress-free. I highly recommend using Jet Direct for any of your home buying needs!
Top Questions to Ask a Wildwood, NC Mortgage Broker
Whether you already own a home and you’re looking to take out a refinance mortgage or you’re on the market for your first home, if you live in the Mecklenburg County area and you’re looking for mortgage companies near me, make sure you get in touch with Jet Direct Mortgage. As a leading mortgage company that has years of experience, a proven track record of success, and offers a variety of loan options, we can help you secure the best rates on a mortgage that will meet your specific needs.
While there may be a lot of mortgage companies in Wildwood, NC, you don’t want to choose the first company you find. It’s important to do your due diligence and choose a lender that is transparent and will meet all of your needs; after all, a mortgage is a significant expense and you want to be sure you’re working with a broker who can help you get a rate that you can comfortably afford.
How can you narrow down all of the different mortgage companies and find a broker that you can feel confident in and comfortable working with? By asking important questions before you make your final decision. Let’s take a look at important questions that you should ask when you’re looking for a mortgage broker. The answers you receive can help steer you in the right direction.
What Type of Rates do I Qualify For?
The interest rates on home loans have a significant impact on the total amount you’ll end up paying. Rates change on a constant basis, so you want to make sure that you’re working with a lender that offers the best rate possible. Do some research and find out what the average rate is in your area. For example, if you’re looking to refinance your current mortgage, check out what the current refinance mortgage rate today is, and when you contact a mortgage broker, ask what rates they’re currently charging. Be leery of a rate that appears to be too low, as more than likely too good to be true. It’s not uncommon for lenders to advertise a much lower rate than they can actually offer as a way to draw prospective clients in. Generally speaking, the rate should be within close range of the going interest rate at the time that you are shopping.
How Much of a Down Payment Do I Need?
A down payment refers to the part of the total price of the property that you’ll be putting down when you complete the purchase. If you’re purchasing a new home, for example, the amount you put down goes straight to the seller and the remaining amount will be added to your mortgage. Therefore, the larger the down payment you make, the lower your loan will be.
While putting down as much as you possibly can is ideal, you may not be able to put down a large sum. Ask a prospective mortgage broker to assist you with mortgage calculations to determine how much of a down payment you’ll need to put down. The minimum amount you’ll have to put down will depend on several factors, such as the type of loans you qualify for and your personal financial situation.
How Much are Closing Fees?
Whether refinancing or taking out your first home loan, there are a lot of fees involved, and many of those fees can be rolled into the mortgage itself. However, with that said, there are some expenses that you will have to pay on your own. Those expenses will have to be paid when you go to closing; hence why these fees are known as “closing costs”. Closing fees vary but can include title searches and issuance, appraisal fees, mortgage origination fees, just to name a few.
The type and amount of fees you’ll have to pay when you go to closing will vary and depend on several different factors. Make sure you ask a prospective mortgage broker what type of closing costs you’ll be expected to pay so that you aren’t taken by surprise and are fully prepared when closing day arrives.
How Long does it Take to Process a Loan?
The amount of time it takes a lender to process a mortgage and fund the loan varies; however, on average, the processing time is between about 21 and 45 days. That’s a rather large difference. The longer the processing time, the longer it’s going to take for you to go to closing. As such, you should definitely find out before you decide on the mortgage broker you’re going to work with what their average processing time is so that you’ll know when you can expect to have the mortgage and closing process completed.
Want to Work with the Best Mortgage Broker in Mecklenburg County? Contact Jet Direct Mortgage!
If you’re looking for a reputable mortgage broker to assist you with the loan for your Wildwood, NC home, get in touch with Jet Direct Mortgage. Offering years of experience, numerous programs, affordable rates, and fast approvals, it’s no wonder why we’re considered the leading mortgage company in Mecklenburg County. To schedule an appointment with one of our friendly and knowledgeable mortgage brokers, call 800-700-4538 today! We look forward to hearing from you and helping you get the best rate possible for your mortgage.
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