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  Integrity First Mortgage Group New Home Loan Process     

Contact Integrity First Mortgage Group For Your Free Consultation

             We will review your budget – Budgeting your money is the first step in preparing
             for home ownership. Most consumers interested in purchasing a home need to save
             money for their down payment, closing costs and other expenses associated with
             moving and home maintenance.

             We have many programs and will help you determine the most cost effective
             approach.

                We will help you complete your loan package and determine the loan amount
                you will qualify for.

                We will pre-qualify you for the right mortgage loan that fits your needs and
                secure you the best rate that YOU can get..

Assess Your Needs
     
               Identify the features in a home that will be most important to you and your family.

Work With a Real Estate Agent

              Choose a Real Estate Agent to show you properties in your area.

Purchase and Sales Agreement

              Your Real Estate Agent will help you to make an offer and negotiate a purchase
              price on a property. All contracts should have a subject to final lender approval.
              We recommended that you always arrange for a professional home inspector to
              look at the property.

Integrity First Mortgage Group will take you through the rest of the process:

•       We will order your home appraisal to assure the value of your home investment
        for you and the lender.
   
•       We will make lenders compete for your business
   
•       We will finalize and process your loan package.
   
•       We will obtain final lender approval for you
   

•       We will take you through the closing process were you will sign all of the mortgage
        documents and receive the deed and keys to your home from the seller.

                  OUR GUARANTEE!

•         We provide you with a clear, concise loan approval process.
   

•         When we quote you a rate, it is based on a thorough review of your
          credentials and qualifications as well as on our experience closing
          prior similar loans with other like-qualified borrowers.
   

•         Loan updates every 36 hours or less!
   

•         Our process is simple, easy to understand, and well-communicated

Integrity First Mortgage Group Home Refinancing Process 

Home Refinance Consultation

•         Review your refinance objectives and needs
   

•         Review your Credit Standing
   

•         Review program possibilities
   

•         Initial rate review based on estimated home value

Obtain loan pre-approval based on information obtained to this point

Home appraisal

•         Confirms value and equity available in your home
   

•         Appraisal is needed to validate what programs you qualify for

Choose the best program that you qualify for and that fits your needs

Make lenders compete for your business

•         Assures that you get the best rate possible

Process and close your loan

•         We are with you every step of the way

                  OUR GUARANTEE!

•         We provide you with a clear, concise loan approval process.
   

•         When we quote you a rate, it is based on a thorough review of your
          credentials and qualifications as well as on our experience closing
          prior similar loans with other like-qualified borrowers.
   

•         Loan updates every 36 hours or less!
   

•         Our process is simple, easy to understand, and well-communicated