Get Mortgage Ready
Navigating the home buying process can be overwhelming, but it doesn’t have to be. McGinnis Team conducts a mortgage consultation with all our homebuyers but takes special care with first-time homebuyers. When you work with McGinnis Team, we make sure your questions are answered and you understand your loan options.
After You’ve Completed Your Application
Once you’ve completed your application, here are a few tips that will make the loan process smoother and clearer for you:
- Get your documents in order. Our Platinum Pre-Approval (see below) puts you in the best buying position. This means we need a little more information from you, including income and asset documents which we’ll request when you apply.
- Familiarize yourself with popular terms and phrases HERE ...
- Schedule a time for a mortgage consultation with Josh, our Branch Manager, after we’ve reviewed your application. ... Read more
Why Every Buyer Should Start With a Credit Consultation
Your mortgage credit score influences the cost of your home loan; therefore, the condition of your credit is very important. After doing a soft pull of your credit, McGinnis Team will advise how you can improve your mortgage credit score. We will even provide specific actions and resources to help you do it.
- It’s worth noting that your credit score and your mortgage credit score are two different things. However, the one thing they hold in common is significant: payment history. Paying your bills on time is a significant contributor to both types of credit scores. This action (or lack thereof) demonstrates your level of responsibility.
- We understand things happen. A bill is overlooked, or payments get behind. ...
- The good news is credit can be repaired. The better news is McGinnis Team will provide a credit repair road map during your credit consultation. For example, if a letter can be sent to a creditor requesting a goodwill adjustment, we will provide the letter template making it easy on you to take that step. ...
- McGinnis Team will provide the resources you need to repair your credit, so you can get a better loan for you and your family. Read more
Platinum Pre-approval
A McGinnis Team Platinum Pre-Approval is as good as a final approval. We try to avoid surprises at all costs. It’s why we do so much on the front end. It’s a risk for us – we don’t get paid unless a loan is closed – but the extra effort makes home buyers out of home shoppers.
- McGinnis Team pre-underwrites the potential loan. This means most of the work is already done when the underwriter gets your loan documents, making it extremely rare to have a surprise that derails the approval process and closing.
- Our objective is to position you as a platinum buyer. McGinnis Team’s Platinum Pre-Approval does just that. ... Read more
Freedom Days
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