Mortgage Services

· Pre-Approval and Pre-Qualification:
If you’re in the early stages of home buying, I can help you get pre-approved or pre-qualified for a loan. This gives you a better understanding of how much you can afford and strengthens your position when making an offer on a home.

· Customized Loan Recommendations:
Based on your financial profile, I’ll recommend the most suitable mortgage products for you, whether that’s a fixed-rate loan, adjustable-rate mortgage, or a government-backed loan. I’ll explain the advantages and disadvantages of each option, helping you choose the one that works best for your long-term financial goals.

· Credit and Financial Review:
I’ll review your credit history and financial documents to ensure you're in the best position to secure a mortgage. If needed, I’ll provide guidance on improving your credit score or other areas of your financial profile to enhance your loan approval chances.

· Streamlined Processing and Underwriting:
Once your application is submitted, I’ll work with underwriters to ensure everything is in order, providing updates along the way. I’ll handle the details, so you can focus on preparing for your new home.

· Competitive Rate Negotiation:
I’ll help you understand the latest mortgage rates and market trends to ensure you secure the most competitive rate available. I work hard to negotiate the best terms for you, maximizing your savings over the life of your loan.

· Closing Coordination:
When it's time to close, I’ll assist with coordinating all the details, working closely with title companies, escrow agents, and other professionals to ensure a smooth and timely closing.

· Post-Closing Support:
Even after your loan closes, I’m here to answer any questions you may have. If you need assistance with payments or adjustments, or if you’re thinking about refinancing in the future, I’m just a phone call away.

What I provide to clients:

· Personalized Consultation:

I begin by sitting down with you to understand your financial goals and homeownership dreams. Together, we'll explore various mortgage options that best fit your needs, including different loan types, interest rates, and terms. My goal is to ensure you make an informed decision every step of the way.

· Loan Application Assistance:

I’ll guide you through the entire application process, helping you gather the necessary documentation and ensuring that everything is in order. I’ll also make sure your application is complete and accurate, so we can move through the approval process as smoothly as possible.

If you are:

• In the midst of a divorce and need to make decisions about a jointly owned home

• Uncertain about how to manage mortgage or real estate matters during the divorce process

• Looking for expert advice on qualifying for a mortgage after your divorce is finalized

• A divorce professional—such as an attorney, financial advisor, or mediator—seeking collaborative support for your clients' home financing needs

You may find the guidance of a Certified Divorce Lending Professional especially valuable.

Certified Divorce Lending Professional

At The Human Touch Mortgage Group, I am committed to delivering exceptional service while fostering a relationship built on trust and integrity. Whether you are a first-time homebuyer or an experienced homeowner, I am here to guide you through the mortgage process with clarity and confidence. Together, we will work to make your homeownership goals a reality.