There is always a way home!
Let Our Experience Work for you!!
Professional, Reliable, and Experienced service Tailored to Meet Your Mortgage Needs
Trusted by First-Time Homebuyers and Growing Families for Over Three Decades
Homeownership Made Simple
We've guided thousands of first-time homebuyers through the mortgage process with patience and expertise. Our team understands the unique challenges you face and will walk you through every step, making your first home purchase a celebration, not a stress.
Our Mission
At the Mortgage Group, we're dedicated to helping everyone achieve homeownership, regardless of where they are in life's journey. We believe that finding the perfect home is a deeply personal milestone, whether you're a first-time buyer taking that exciting initial step, a growing family seeking more space, or someone looking for that ideal retirement sanctuary. With over three decades of experience guiding clients through the mortgage process, we combine expertise with genuine care to transform the complex into the comprehensible. There is always a way home—and we're committed to helping you find yours.
Why Choose Us
When it comes to securing your home financing, experience matters. With over 30 years in the mortgage industry, our team brings unmatched expertise to every loan we close. We specialize in FHA, VA, USDA, and Conventional loans, with deep knowledge of the specific requirements and opportunities each presents. What truly sets us apart is our proven track record of finding solutions where others see obstacles. First-time homebuyers appreciate our patient guidance, construction clients value our seamless process coordination, and all our customers benefit from our determination to secure the best possible terms. We don't just process loans—we build relationships and create pathways to homeownership that last a lifetime. Choose us for the perfect blend of professional knowledge and personal commitment to your homeownership goals.
Our Commitment
Our commitment to you extends far beyond simply closing your loan. We pledge to provide clear, honest communication throughout your entire mortgage journey, eliminating confusion and minimizing stress. Our team will work tirelessly to find the right lending solution tailored to your unique financial situation and housing dreams. We promise to be accessible when you have questions, thorough in our explanations, and diligent in meeting deadlines that keep your home purchase on track. With decades of experience behind us, we've developed systems that anticipate challenges before they arise, protecting your interests every step of the way. Most importantly, we're committed to treating your homeownership goals with the same care and attention we would give to our own families, because at the end of the day, we measure our success by your satisfaction and the keys in your hand..
Our Services
Specializing in FHA, VA, USDA and Conventional Loans
We offer a range of flexible and accessible mortgage options designed to fit your unique homeownership goals. Whether you're a first-time buyer, looking to refinance, or investing in property, we've got you covered with simple and stress-free home financing solutions.
Homeownership Made Simple
We've guided thousands of first-time homebuyers through the mortgage process with patience and expertise. Our team understands the unique challenges you face and will walk you through every step, making your first home purchase a celebrations, not a stress.
Building Your Dream
from the Ground Up
From construction loans to permanent financing, our 30+ years of experience ensures your new build has the right financial foundation. We work directly with builders and buyers to create seamless transitions from construction to closing.here
Government Loan Experts
You Can Trust
With 75% of our business in FHA and USDA loans, we've mastered the intricacies of government-backed mortgages. Our specialized knowledge helps you access better rates, lower down payments, and exclusive programs you might not find elsewhere.
Our Expertise
Transforming Homeownership Dreams with Expert Mortgage Solutions
Our team of mortgage specialists brings over 30 years of experience to every client relationship. We're dedicated to guiding individuals and families through the home financing process with tailored lending solutions that address your unique homeownership goals. By simplifying complex mortgage procedures and offering personalized guidance, we ensure a smooth path to getting the keys to your new home.
Advantages of Choosing Mortgage Group
We are committed to providing trusted mortgage solutions that empower you to achieve your homeownership goals. Our dedicated team is here to guide you every step of the way, offering personalized lending options that fit your unique needs..
Experience a new level of support with our personalized mortgage approach. Whether you're purchasing your first home, building a custom property, or finding your forever retirement home, our expertise ensures your journey to homeownership is smooth, efficient, and rewarding. Our deep understanding of lending guidelines and decades of experience mean we can find solutions where others see obstacles.
We provide 15 year up to 30 year fixed rate loans
Apply online or in person for your convenience
30+ years of trusted mortgage expertise
Full Service Mortgage Solutions Under One Roof
Frequently Asked Questions
Common Mortgage Financing
Questions And Answers
What credit score do I need to qualify for a mortgage?
For conventional loans, most lenders prefer a minimum credit score of 680, though better rates are available with scores above 740. FHA loans are more flexible, with minimum scores typically around 580 (or even 500 with a 10% down payment). USDA and VA loans generally require at least a 640 score, though exceptions can sometimes be made. Remember, your credit score is just one factor in the approval process - we evaluate your complete financial picture to find the right mortgage solution for your situation.
How long does the mortgage approval process take?
The typical mortgage process takes 30-45 days from application to closing, though this timeline can vary based on your specific situation and current market conditions. Pre-approval can generally be obtained within a few days, giving you the confidence to make offers with certainty. Our experienced teams works efficiently to prevent delays, coordinate with all involved parties, and keep your home purchase on schedule.
How much do I need for a down payment?
Down payment requirements vary by loan type. Conventional loans typically require 3-20%, with private mortgage insurance (PMI) required for down payments under 20%. FHA loans allow down payments as low as 3.5%, while VA and USDA loans offer 0% down payment options for qualified buyers. As specialists in government-backed loans, we can often help buyers with limited savings find pathways to homeownership through these low or no down payment programs.
What costs should I expect beyond the down payment?
When budgeting for your home purchase, plan for closing costs that typically range from 2-5% of your loan amount. These include lender fees, appraisal costs, title insurance, prepaid property taxes and homeowners insurance, and various processing fees. However, it's important to know that these closing costs can often be negotiated as part of your offer, with the seller potentially covering some or all of these expenses through seller concessions. Your realtor typically leads these negotiations, which can significantly reduce your out-of-pocket expenses at closing. Additionally, you'll need funds for moving expenses and deposits for utilities. During our initial consultation, we'll work closely with you and your realtor to explore all options for minimizing your upfront costs while securing the best possible terms for your mortgage.
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