Pick a day and time that works for you and receive confirmation / calendar invite.
We'll meet via zoom or call to go over your situation and answer any questions you may have.
We'll provide you with loan solutions, and a pre approval to move forward with the next steps.
Lisa Whitman
The most successful buyers all have one thing in common: A game plan.
So even if you are months away from buying, it's important to connect with a pro and learn the steps you can take to be prepared.
It’s never too early to start the process.
Mortgage one Team Lisa has made my fiance’s and my first home purchasing so easy it’s unbelievable! As stressful as it is, they made sure we were taken care of & they put us first. We are very lucky and thankful for them!
Alissa and Nathan
”I have used Lisa and her team to purchase and re-finance several homes. Whether it was an investment property or my own home, the entire team was always professional and paid very close attention to detail and helped us work through any issues as painless as possible.”
Amanda H
How do I qualify for a loan?
How do I qualify for a loan?
Qualifying for a loan depends on several factors including your credit score, income, employment history, and debt-to-income ratio. We evaluate these factors to determine your eligibility and the best loan options for you.
How can I improve my chances of getting approved for a loan?
How can I improve my chances of getting approved for a loan?
Answer: Improving your credit score, reducing existing debts, and ensuring a stable income can enhance your loan approval chances. We can provide personalized advice based on your financial situation. The best way to set yourself up for success is to get pre-approved early so we can look at your situation and give you a plan custom fit to your needs.
Do I need 20% down to buy a home?
Do I need 20% down to buy a home?
Answer: No, you do not need 20% down to buy a home. There are loan programs available that allow for lower down payments, even as little as 3% down for qualified buyers. When you put less than 20% down you will have what is called PMI (private mortgage insurance). PMI is an amazing tool for homebuyers and is not something to be afraid of. We can help you explore these options based on your financial situation.
Can I get a loan if I have low credit?
Can I get a loan if I have low credit?
Answer: Yes, it's possible to get a loan with low credit, though the options and interest rates may vary compared to those with higher credit scores. We offer a range of products that cater to different credit profiles and can provide guidance on how to improve your credit to qualify for better terms.
What is PMI, and is it bad?
What is PMI, and is it bad?
Answer: PMI, or Private Mortgage Insurance, is a type of insurance that lenders require from borrowers who put down less than 20% on a home purchase. It protects the lender in case of default. PMI is not a bad thing; in fact, it is a very powerful homebuying tool. With decent credit PMI could be very cheap and allows buyers who cannot afford a 20% down payment to still purchase a home.
Didn't find your answer? Reach out to us, we're happy to help.
Phone: 1-800-440-LOAN
E-Mail: teamlisa@mortgageone.com
Corporate NMLS# 129386
MI NMLS# 136096
FL NMLS# LO36696 Equal Housing Lender | Equal Housing Opportunity
COPYRIGHT © 2024. All Rights Reserved. Powered by LynkSpot
Phone: 1-800-440-LOAN
E-Mail: teamlisa@mortgageone.com
Corporate NMLS# 129386
MI NMLS# 136096
FL NMLS# LO36696 Equal Housing Lender | Equal Housing Opportunity
COPYRIGHT © 2024. All Rights Reserved. Powered by LynkSpot