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Working With a Home Mortgage Consultant

First-time homebuyers may find it especially beneficial to have the personalized support of a mortgage consultant.

An experienced home mortgage professional will take the time to talk with you about the home loan process, answer any questions you have, and be your primary source of contact when additional questions arise.

Whether you’re looking for a preapproval to help you shop for a home or if you’re ready to submit a loan application, a home mortgage professional will work with you every step of the way.

These simple tips can help you get the most out of your home mortgage consultant

Tip #1: Consider your home mortgage consultant part of your team.

Your mortgage consultant is an important part of your homebuying team who will help answer your mortgage questions and explain what documentation and paperwork you need to provide. Your mortgage consultant will also do a considerable amount of work behind the scenes to keep borrowing and homebuying running smoothly. For example, as you begin to look at homes, the consultant can provide you with a mortgage preapproval letter that demonstrates to sellers that you’re a qualified buyer. As closing nears, the consultant will ensure that all loan details are ready to go by the closing date.

Tip #2: Agree on a mode of communication.

Do you prefer to talk via text? Email? Phone call? One of the first items to discuss with your mortgage consultant is how you would like to communicate during the homebuying process. Keep in mind that lenders have different privacy and information security practices and may not offer texting as a mode of communication. Note that part of this communication will include you sending the mortgage consultant information including proof of income, assets, and debts.

Tip #3: Ask questions and be open to new information.

There are a variety of home loans you may qualify for or that you’ll want to consider when you buy your first home — but some may involve nuances or terms you’ve never heard before. Ask your mortgage consultant about any loan details you don’t understand, and be honest about financial goals like the monthly payment you’re confident you can commit to and how much you want to pay at closing, as well as personal goals, such as how long you intend to stay in the home.

When your mortgage consultant understands your goals and concerns, it’s easier to guide you toward the products that will best suit your individual needs and your financial means.

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