LISA NORMANN MORTGAGE
If you’re here, you’re in the market for a mortgage loan. Maybe you’re buying a home, and perhaps you’re refinancing. But the real question is… what’s your next step?
We’re here to help you figure that out. We want you to understand your options and pick the right loan because what you qualify for and are comfortable with are two different things! You can start the process online with our pre-qualification tool or call us. A 15-minute phone call will answer many of your questions and set you on the right path.
WHAT YOU CAN EXPECT
We provide a high quality, personalized level of service for all your mortgage needs. Whether you are just starting the home buying process, have found your perfect home, are a real estate investor, or thinking about refinancing, we are the 1st and only phone call you need to make.
GET PRE-APPROVED
The 1st step towards buying a home is getting a quality pre-approval from a trusted source. Working with a top notch mortgage professional is mandatory, especially given the current market conditions. We have seen time and time again that our expertise and experience made the difference in getting our clients the home they desired.
Contact us to learn more about this process and why top real estate agents, financial planners, and CPA’s, trust us with their clients mortgage financing.
- We will help you get clear on what you can afford, empowering you to move forward with confidence.
- We will take the time to explain the difference between the FHA loan for first time home buyers, conventional vs. jumbo or portfolio financing, government backed loans vs. Fannie and Freddie.
- We know how important teamwork is and will work closely with your realtor to assure your interests are well represented.
HOME PURCHASE LOANS
Once you are pre-approved and have found your home, then the next step is getting your offer accepted. In today’s ultra competitive seller’s market, this can be difficult. With our experience and expertise, we give you an edge in several ways.
Being able to close quickly and then instilling trust in the seller that we can perform, makes all the difference. Too often lenders and brokers make promises they cannot deliver on and this creates a healthy skepticism by the sellers.. From the very start clients, agents, and sellers see that our professionalism, experience and expertise shines through in everything we do.
Once you are pre-approved, we get you in position to close within 25 days. While you may not take possession of the property this quickly, most sellers want a short escrow and it can put you in position to negotiate a lower sales price. During the process, we work hard to assure a smooth path to closing. Buying a home is stressful enough and we work hard to make sure it is as painless as possible.
REFINANCE LOANS
Because we work with a large number of lenders, we offer the most comprehensive set of loan products and options to meet your needs. Rather than applying for a refinance at one bank, working with us gives you the ability to essentially rate shop with dozens of lenders and banks, without the hassle of actually doing so. Any given day, one lender may have lower rates and with the click of a mouse we can find you the best deal. Our network of lenders are always competing with each other for our business.
- NO Up-front Appraisal Fees – We pay for your appraisal
- NO Closing Cost Loan – Ask us about this option
- Clear Terms Promise – We always follow through and honor the initial terms
- Personalized Status Updates – You will always be informed
We take great pride in lowering the cost of a mortgage over the long term and one way to do this is strategic refinancing. Taking advantage of lower rates, or adjusting the term of your loan to meet your changing financial goals, are just a few of the ways we can help.
In addition to price, there can often be other factors, such as the need to close quickly, or a niche product to secure approval. We specialize in finding the right lender to achieve your objective and then making the process as smooth as possible.
EXPERT GUIDANCE
Having the right information is key to making the right decisions. With our experience and diverse backgrounds in finance, investments, accounting, we can offer guidance and expertise to assure you are well informed and educated.
The mortgage industry is constantly changing and whether it is government regulation, private banks and lenders, new products and loan types, or even just the volatile interest rate fluctuations, we stay on the cutting edge and are here to assimilate this information into practical advice.
Our clients are constantly praising our newsletter. Being transparent when it comes to providing information is of course a fundamental belief of ours. For too long, this industry has withheld pertinent information and trade secrets from the general public. We personally write the newsletter and focus on the topics that are most relevant to you.
Informing and educating you about the mortgage process, your options, and the industry in general, is a responsibility we take great pride in.
