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A mortgage broker is an independent financing professional who specializes in the origination of residential mortgage loans. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific financial goals. A Mortgage Broker Also: - Discusses and explains financing program options
- Informs you of lock-in options
- Explains all documents of the loan application
- Explains all associated costs of the loan application
- Explains the disbursement of all loan applications
- Explains the loan process, from application to closing
- Provides you with a good faith estimate of cost and fees
- Communicates with you throughout the loan process in a timely manner
- Coordinates the final closing of your transaction
Why Choose Carolina Home Mortgage?
1) We give you options: Carolina Home Mortgage is a locally owned and operated mortgage company backed by the lending power of many of the nation’s largest financial institutions including Wells Fargo, SunTrust, BB&T, and Bank of America. A mortgage broker is a wholesale agent; we offer a myriad of financing programs with many great lenders. Our clients benefit from competitive rates as well as excellent client servicing. 2) We communicate from start to finish: We strive to communicate often with all parties throughout the process. In 2008, we implemented a great communication tool called “Status Online” which sends out emails during the process to keep you informed along the way to closing! 3) We specialize in mortgages: A broker is a specialist in mortgage financing. It’s what I do all day, everyday. It’s my job to know the lending guidelines for each bank we work with. I spend my time making sure to find the right loan program for you and I follow through on your loan approval. 4) We find the best rates: Our wholesale rates/options are very competitive. You’ll find our mortgage rates are typically lower than those offered by a retail bank. 5) We provide great customer service: We work for our clients, not the bank. We are local and accountable!
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