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The primary service Mountain Valley Mortgage provides is to assist a home-owner or prospective home-buyer in choosing and acquiring the most useful loan product available which meets his/her individual mortgage needs. This includes arranging for the mortgage, while taking into consideration other financial requirements, anticipated future housing needs, and the long term investment goals of the borrower. Mountain Valley Mortgage assists in very specific segments of the real estate financial services market. This includes providing professional assistance to developers, builders, institutional real estate owners, and real estate speculators.
As a mortgage broker, Mountain Valley Mortgage will originate loans, although not typically making our own funds available for mortgage financing. A mortgage broker offers the advantage of one-stop shopping for anyone looking to obtain a loan, because a mortgage broker operates as a conduit to every lender with which they work. A prospective borrower will always enjoy distinct advantages that save time and money when using a mortgage broker, as they are securing the benefit of a mortgage broker's experience in dealing with lenders. Here's how:
Mountain Valley Mortgage will save you time.
With all the mortgage products available to you, how do you understand and decide which is the right one for you? The only way to do it is by becoming an expert at real estate financing and getting to know all the banks that offer mortgages to consumers. Hopefully, you have gotten to know all the best lenders. Armed with their information, you must then analyze which one of all these products is best for your financial situation, and which also best protects the health of your investment. You will then go through the application process unguided, and if you've done all your homework right, you won't run up against an unexpected lender requirement or policy.
By using Mountain Valley Mortgage to navigate you through the mortgage process, you will only have to be in contact with one person about your loan. Your mortgage broker will make all necessary contact with the lenders for you, following up regularly on your loan's status, and finding out what additional documents you need to submit. You won't have to spend a minute of your time trying to contact your lender, and then arguing, bargaining, or negotiating when you finally reach them, because Mountain Valley Mortgage is dedicated to doing all that for you.
Also, Mountain Valley Mortgage knows what the banks want to see in a mortgage application. Your mortgage broker will review your documents individually, and your loan package as a whole, in order to make sure it has the organization and presentation expected by the lender. Without the expertise of a mortgage broker, you submit your documents without having them screened by a discerning eye, to confirm that you have all your paperwork in order. You can be sure that a sloppy loan package or missing documents will result in several costly delays, and will in the end be a threat to your mortgage application's approval.
Mountain Valley Mortgage will save you money.
By saving you the time of communicating and learning the products and programs of all the lenders, and the possibilities of lengthy delays in your application's processing time, Mountain Valley Mortgage is already indirectly saving you money. But there is another more direct way that you save money. Should you decide to approach a bank all by yourself, you need to fill out their application, pay them to check your credit, and pay them to order the appraisal. Should your loan application be denied for whatever reason, you need to repeat the same process with another bank. You need to fill out a new application, they will order a new credit check on you, and then order an appraisal from their own list of approved appraisers (because the old appraisal you paid for with the previous bank just won't do). Essentially, you will be charged a whole new set of fees for the exact same service and process you already went through once.
However, when you fill out an application with Mountain Valley Mortgage, there is only one fee. It includes the fee for the application, for a credit report, and the appraisal of the property. If for whatever reason your mortgage application is denied by one lender, your mortgage broker can simply take your same application, credit report and appraisal, and submit them to another interested bank. No new papers to fill out, no more credit checks, no more paying for additional appraisals. Ideally, your loan application won't be denied by our lenders, but just in case, Mountain Valley Mortgage will offer you protection on your initial costs.
With one set of application fees, Mountain Valley Mortgage can open the door to dozens of different lenders.
Mountain Valley Mortgage will guide you through the loan process
By now, you have probably gathered that the process of obtaining a loan can be a complicated experience. And because of the large intervals between purchasing or refinancing property, going through the loan process can become an essentially new and seemingly complicated experience to the borrower. There are new products to consider, and new guidelines of which to be careful, and so one of the biggest assets to a borrower during this time will be the knowledge and counsel of an expert who'll walk you through the process.
You won't have to worry about surprises or expected dilemmas, because you can bet that Mountain Valley Mortgage has already placed a loan very similar to yours very recently. It won't have been exactly the same, of course - because every borrower comes with different needs - but you'll have the comfort of knowing that Mountain Valley Mortgage has already dealt with the frustrations of all the small details and paperwork so that you won't have to. It might be a relatively new and daunting experience for you, but for Mountain Valley Mortgage, it's just part of the job.
So sit back, Contact us or fill out our On-Line Application and let is do all the work for you. You will be surprised how easy it all really is when you deal with Mountain Valley Mortgage.
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