561.337.4842
We will work with you throughout the entire process and submit your documents for a quick pre-approval.
Document Checklisthttps://app.pivotmortgage.net/Document-Checklist
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly.
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A quick Q&A for 10 minutes
You’ll receive a follow-up email with instructions
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Pre-approval
Congratulations for taking the first step to purchasing or refinancing your home. Please provide your name, phone number, email, address and select the "submit" button. FROM EXCELLENT COMMUNICATION AND COMPETITIVE RATES TO EASY APPLICATIONS AND FAST CLOSINGS.Conventional Loans Purchase and Refinance loans with Down Payment Assistance Available Government Loans FHA, VA, USDAJumbo LoansLoan amounts starting from $1 over the county loan limits, up to $3.5M DSCR LoansFinancing that evaluates an entity's ability to generate enough income to cover its debt obligations
Access to Multiple Lenders: Brokers work with various lenders, giving you access to a wider range of mortgage products and rates than you might find on your own.Expertise and Guidance: They have in-depth knowledge of the mortgage market and can help you navigate complex processes, find the best deals, and understand your options.Time Savings: A broker can handle much of the paperwork and communication with lenders, saving you time and effort.Negotiation Skills: Brokers often have established relationships with lenders, which can help in negotiating better terms or rates.Tailored Solutions: They can assess your financial situation and recommend mortgage products that best fit your needs.Support Throughout the Process: Brokers provide assistance from application to closing, helping you address any issues that arise.Overall, a mortgage broker can simplify the home financing process and potentially save you money.
A first-time homebuyer is typically defined as an individual or couple who is purchasing their first home, which can include a single-family residence, townhouse, or condominium. This designation can vary slightly based on local regulations or programs, but generally, it refers to someone who has not owned a home in the past three years.First-time homebuyers may also be eligible for special financing options, grants, or tax credits designed to assist them in the purchasing process, making it easier to enter the housing market.Here are some essential tips for first-time homebuyers:Assess Your Finances: Determine your budget by evaluating your income, expenses, and savings. Get pre-approved for a mortgage to understand what you can afford.Save for a Down Payment: Aim for at least 20% to avoid private mortgage insurance (PMI), but many options are available with lower down payments.Understand the Market: Research the local real estate market to identify neighborhoods that fit your budget and lifestyle. Attend open houses and look at recent sales.Work with Professionals: Consider hiring a real estate agent who understands your needs and can guide you through the buying process. A mortgage broker can help you find the best financing options.Be Prepared for Additional Costs: Account for closing costs, property taxes, home insurance, and maintenance expenses in your budget.Don’t Rush: Take your time to find the right home. It’s a significant investment, and you want to make an informed decision.Inspect the Property: Always get a home inspection to identify potential issues before finalizing the purchase.Think Long-Term: Consider your future needs—such as family growth or job changes—when choosing a home.Stay Within Your Budget: Avoid stretching your finances too thin; it’s important to feel comfortable with your monthly payments.Trust Your Instincts: If something doesn’t feel right about a property or a deal, don’t hesitate to walk away.Taking a thoughtful approach can make the home-buying process smoother and more successful.
At Pivot Mortgage, we prioritize our clients' needs and strive to deliver exceptional service in everything we do. Our dedication to teamwork, innovation, and integrity drives us to achieve outstanding results. We are passionate about helping our clients reach their goals and providing them with the support they deserve.
We want to take a moment to express my appreciation for your exceptional service. Your knowledge of the local market and dedication to your clients truly sets you apart. Your professionalism and attention to detail made the home-buying process seamless and enjoyable. Thank you for going above and beyond!
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process
The quality of being honest and having strong moral principles. It involves consistently doing the right thing, even when no one is watching. Here are some key aspects of integrity
Being truthful in all interactions and communications.
The conduct, aims, or qualities that characterize a professional person. It encompasses a range of behaviors and attributes that demonstrate respect, competence, and dedication in the workplace.
The selfless concern for the well-being of others. It involves acting with the intention of benefiting others, often at a personal cost or sacrifice.
The ability to effectively perform a specific task or job role. It encompasses a combination of skills, knowledge, and behaviors that contribute to successful performance in various settings.
Comprehensive understanding of the processes, regulations, products, and trends within the mortgage lending sector.
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