Mortgage Solutions for Purchasing a Home
Buying a home is often one of the most exciting – and at times, stressful – experiences of your life. Between the process of visiting houses, choosing your favorites, making the decision to move forward, and having your offer accepted, the idea of getting all of your paperwork together for your mortgage can feel overwhelming.
When you are dealing with something as personal as buying a home, you need a partner who will help simplify the process, provide consistent expertise, and deliver superior communication every step of the way. Our approach is centered around a client service model that places you first, and our team of experienced mortgage lenders and processors provide tailored advice to help you choose the best mortgage product for your needs.
Your Mortgage Consulting Options
Through our mortgage services, we provide home loans to help you:
- Buy your first home
- Purchase a larger home to meet your growing needs
- Downsize into a smaller home
- Get a vacation home
- Purchase investment properties
Specifically, we offer loan programs for:
- Conventional home loans
- Jumbo mortgage loans
- First-time home buyer loans
- FHA loans
- VA loans
- Investment property loans
- Second home loans
- Interest only mortgages
Working with First Western Trust
When you work with First Western Trust to get a mortgage loan for your new home, you are partnering with industry leaders who have seen everything (or just about everything) in the marketplace. This means that we’re well equipped to help you find the right home loan for your financial situation and your goals.
Most mortgage companies give you access to third-party mortgage brokers, which works well for many individuals, but when your financial situation is complicated, these brokers cannot always underwrite your loan. At First Western Trust, we have a sophisticated team that doesn’t just sell mortgages to a third-party; we also have a portfolio loan program within our bank. This means that we can underwrite cash flow and be more creative than most brokers if you have complex financials, which can make a big difference in helping you get your loan.
Our mortgage loan consultants are dedicated to helping you get your loan quickly, and go above and beyond to meet your deadlines. We also work with you to understand how often and in what ways you prefer to be communicated with, and we commit to meeting and exceeding your expectations.
By partnering with First Western Trust, you gain access to a team of knowledgeable experts who are focused on providing you with the advice and guidance to help you get your next home loan.
Our Tips for Buying a New Home
Do's
- Ask your real estate agent about the neighborhood, including schools, shopping, HOAs, and property taxes
- Make sure any issues your home inspector identifies are corrected by the seller before you buy
- Give yourself time to get to the bank before your mortgage loan closing (and get your closing funds in a bank wire or certified check)
- Bring a valid photo ID with you to closing
Don'ts
- Let anyone talk you into purchasing a home outside of your budget
- Incur new debt during the mortgage process
- Increase existing debt
- Change jobs – that makes income verification tricky
- Use the funds you have saved for your down payment
Our Client Story
When we talk about client service, we often point to our ability to get things done that other people think may be impossible. For example, 36 hours before we were about to complete a mortgage loan closing for one of our clients, we found out that the family had collateralized their house. At most companies, the closing would have been pushed back immediately, since it would typically take days (if not weeks) to get the loan processed and approved with these major changes.
But, we knew how important it as to the family to get the loan closed on time, so despite this set-back, our mortgage lenders, processors, and closers rolled up their sleeves and got to work. In the same day, we managed to get the loan resubmitted, reprocessed, and reapproved, and helped the family make their closing on time.
That is our level of service. While it’s not possible to fix major deviations in every situation, we go above and beyond to help our clients, and if we can still get the loan done, we will.
Are you in the market for a new home? Our team of dedicated mortgage consultants is here to help you find the right solution for your needs. Fill out the form below to connect with one of our mortgage lenders today.