InTouch Mortgage Solutions

Clarity and guidance you need to make good decisions

Home Mortgages

Providing the clarity and guidance you need to make good decisions

Whether you are preparing to purchase your first home or upgrading to a new home for your growing family, the mortgage process can be extremely confusing and a major source of stress for buyers, regardless of the buyer’s past experience. Our mortgage professionals work hard behind the scenes to provide you with a simplified mortgage experience – with little or no stress.

We will help you through the entire process, explain everything you need to know, answer your questions, negotiate the best possible deal among our extensive and diverse group of lenders, and provide you with sound lending advice on the right mortgage options for your specific situation and financial goals.

Rates, Rates, Rates!

Everyone wants to get the lowest rate on a mortgage, but there are so many other things to consider when shopping for a mortgage. With hundreds of mortgage products available on the market, each with varying features and terms, trying to compare many products can be overwhelming for any buyer… so buyers tend to focus on rates. While getting a good interest rate is certainly important, some other choices you make on a mortgage can also save you thousands of dollars, taking years off the length of your mortgage, and the overall cost of your home or investment. Our mortgage advisors will get you the best mortgage for your situation with the best possible rate!

Before you start looking for your ideal home or investment property
it’s essential to get Pre-Approved and know how much you can afford!

First-time buyers

As a first-time buyer, it’s easy to get overwhelmed with so many factors to consider before making a purchase. How much can you afford? How much will closing costs be? What about legal fees? What other costs should you budget for?

1. It’s important to get pre-approved for a mortgage before you start looking for a home. It will confirm exactly what you can afford so you can narrow your search to homes within your budget. Pre-approval also protects you for a few months, against any rate increases while you search for your home – if rates go up during the specified period, you are guaranteed to get the rate quoted with your pre-approval.

2. If you find the perfect house during your search, having pre-approval will allow you to make a firm offer, instead of a conditional offer that requires the seller to wait and see if you get approved, which could take a few days. In times of a hot real estate market, conditional offers may be rejected by the seller, especially if there are firm offers on the table. A seller will not likely turn down qualified firm offers.

3. Keep in mind that in addition to your down payment, you will also need funds for closing costs and other expenses that may arise. If you don’t have enough savings to cover these additional expenses, you may have to reserve some of the funds from the lender pre-approval – thus reducing the maximum amount you can afford to spend on a home. Our mortgage professionals can help you understand how much you should set aside for closing costs and emergency funds for the unexpected.

Let our mortgage team get you pre-approved so you can start shopping!

Get your Pre-approval today or contact us to discover your best options.