For a smooth, enjoyable and successful mortgage process, you need to find a mortgage company that offers excellent products and services.
To make that process easier, we have put together this quick list of recommendations that will help you choose a company with which you can build a strong relationship.
Things You Should Know Before Searching For a Mortgage Company
- Work with a small business that can give you plenty of attention. Have you ever worked with a big bank on a mortgage before? If so, you know that they typically do not spend much time with each borrower. You are about to make a huge financial decision that is going to impact the rest of your life. You deserve a company that is going to take that decision as seriously as you do. A small mortgage business will be able to spend the necessary time with you to really understand what you need. You will be able to ask your questions, share your obstacles and goals, and receive recommendations that are truly personalized.
- Choose a company that thinks out of the box. Big-box lenders not only tend to be impersonal, but also tend to take a routine approach to mortgages that does not provide room for much else. What if your mortgage situation does not fit within that routine? Often, their response is simple: they show you the door. That is not going to happen when you work with a dedicated small mortgage company in Oxnard like Financial Home Associates. We take pride in out-of-the-box thinking. We will not rest until we find the solutions needed to move forward with your application. Not only that, but we already have most of those solutions in place. We are used to working with a wide range of borrowers. Challenges that might cause delays with a big-box lender will not lead to delays with us.
- Pick a mortgage company in California that does not require a W-2. That brings us to our next recommendation, which is to make sure that the company you want to work with has a flexible loan process with respect to income. Many people in today’s world are making their money through non-traditional situations such as self-employment. Yet there are still numerous lenders lagging behind the times and insisting on W-2 forms. If you are not a traditional employee, you do not have a W-2, so you need another way to qualify for a mortgage. Financial Home Associates bypasses issues with W-2 forms by offering bank statement loans, stated income loans and EZ Doc loans. That way, you can move rapidly forward with the loan process no matter how you make your income.
- Select an Oxnard mortgage company that offers a diverse range of products. The right mortgage company will make it easy to find the product that is ideal for your needs by making a wide range of loan products available in the first place. These include conventional loans, jumbo loans, FHA loans, VA loans, USDA loans, and more.
- Pick a company that will have your back with excellent customer service. It should be easy for you to understand the loan process and know the status of your application. Whether that is the case or not depends very much on the company you choose to work with, however, as customer service can vary quite a bit from business to business. Avoiding big banks and sticking with small local businesses instead is the best way to ensure excellent communication and lifelong support.
Buy a Home or Refinance in Oxnard or Beyond
Now you know some key considerations when you are looking for an Oxnard mortgage company.
You can look forward to a first-class experience when you work with Financial Home Associates, a local business with more than 36 years of experience serving borrowers in Oxnard and throughout California. Please give us a call today at (805) 402-5302 to schedule your mortgage consultation.
