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If you are in the market for a new mortgage to either purchase a new home or refinance an existing property, it’s understandable that you want to make sure you are getting the most bang for your buck.
It is true that mortgage rates are at near all-time historic lows, so now is a great time to obtain new mortgage financing. But just because rates are low doesn’t mean all mortgage lenders are the same.
New Century Mortgage understands that a mortgage is a long-term commitment, which is why we are strategic with our financing recommendations. We only choose solutions that will efficiently serve your needs.
Unlike other lenders, we realize that plans change and your financial goals change along with them.
Our unique and tactful approach enables us to truly uncover the root of what it is you need, therefore allowing us to suggest customized mortgage financing solutions adapted to your individualized plan that will help you achieve your financial goals.
Getting started with a new mortgage application has never been easier. The first step is to inquire about a free rate quote. After that, applying has never been easier. Here is some information to consider as you go through the mortgage application process.
How to Request Your Free Rate Quote
New Century Mortgage is a fully service mortgage broker that can offer financing solutions for new purchases or refinances. We offer a variety of loan programs to choose from.
Not only does our approach set us apart from our peers, but the breadth of variety of solutions you can choose from allows us to offer more flexible solutions, at lower rates, with less out-of-pocket costs.
We make it easy to get a fast, easy, and hassle-free quote online. Simply answer a few questions and submit an inquiry HERE.
Life gets busy, we get it! If you prefer for us to get back to you at a time convenient for your schedule, in other words send a message to email@example.com and we promptly respond to your inquiry.
For more immediate answers give us a call at (850) 775-0135 and we would be happy to discuss your financing needs and review rate and term options with you.
Preparing For The Application Process
What sets our approach apart from our peers, but the breadth of variety of solutions you can choose from allows us to offer more flexible solutions, at lower rates, with less out-of-pocket costs.
After receiving your free rate quote and discussing your mortgage financing options with our team of experts, it’s time to begin the application process.
For instance, you can begin the process over the phone or by submitting an application online through our private platform.
It may be beneficial to prepare and consolidate your financial documentation ahead of time to help streamline the application process. In conclusion, here is some common documentation worth gathering upfront:
- Two recent pay stubs
- Two years most recent W-2s
- Two years personal tax returns (including all schedules and worksheets)
- Two months most recent bank statements
- Most recent quarterly or monthly retirement or asset statements
- Lease agreements (for any rental properties owned)
If you are self-employed, consider also preparing your related business financial statements including:
- Two years business tax returns (including all schedules and worksheets)
- YTD profit and loss statement (audited or unaudited)
- Aged receivables and a current balance sheet
In addition to your financial statements and documentation, it’s a good idea to have the contact information for your current providers handy in case they are needed.
If you are planning on moving to Florida to start a job in 60-90 days from now, then you may qualify for the FHA mortgage program and close before you start your job.
Consider providing information on your mortgage provider (for payoffs), homeowners insurance agent (for changes in declarations and evidence of insurance), and accountant (for missed financial or tax documentation) ready in case further documentation is required.
In conclusion, providing these contacts upfront can help move your application along and get you to the closing table faster!