We Make Mortgages Look Easy
WHAT OUR CLIENTS HAVE TO SAY:
“As first time home buyers my husband and I started the process with a lot of questions and some hesitations. Based on our experience I would highly recommend working with Cliff Bowyer. He was our first point of contact in the home buying process and went above and beyond to answer all of my questions. He was also able to provide me with quality referrals for a realtor and closing attorney. He thoroughly explained all of the mortgage options that were available to us. We had some challenges with the sellers making changes last minute before closing and he was still able to get everything processed on time. If you are looking to purchase a home or refinance your mortgage then you should absolutely contact Mr Bowyer.”
“I had a great experience working with Cliff on my refinance. He was extremely helpful and responsive to the many questions I had, explaining everything each step of the way. I was able to get an excellent rate and had an easy time working with Cliff from the moment I reached out to him through the moment we closed with the lender.”
“Cliff walked me through the mortgage process when I was buying my first home. Cliff was clear and made a complex process very simple. He was always timely in his communication, efficient, and had my family’s best interest in mind. He was easy to work with and flexible. He respected my time and worked hard to make sure the whole process was done in the most convenient way possible. He worked well in collaboration with my lawyer. I would highly recommend him!”
“We worked with Cliff for a refinance of our mortgage and he was a pleasure to work with. He was extremely detail oriented during every step of the process, patiently answered all of our questions, and was a very thorough communicator throughout. We were very happy overall and would really recommend Cliff’s services.”
“Cliff and his team was awesome in helping me get my financing done. Thank you.”
“Genuine expert’ is the phrase that comes to mind when I think about Cliff. I had the pleasure of working with Cliff for a few years at a Financial Corporation, collaborating on several project teams. Cliff’s ability to handle multiple projects was unlike any I’ve seen before and made a dramatic increase in the productivity level of the company. He is reliable, dedicated, methodical and very capable. As a business owner, Cliff earns my highest recommendation.”
OUR MORTGAGE LOAN PROCESS
You Talk, We Listen
Appraisal and Underwriting Submission
Conditional Approval and Loan Commitment
Outstanding Documents Submitted for Closing
Underwriter Sign Off
ARE YOU READY TO GET STARTED ON A REFINANCE OR PURCHASE LOAN?
REASONS TO WORK WITH A MORTGAGE BROKER
PRODUCTS We OFFER
RESOLVE ISSUES QUICKLY
Non-Traditional Borrower Solutions
MORTGAGE PAYMENT CALCULATOR
Refinancing a mortgage means rolling over a current mortgage into a new loan. It allows you to reassess your home’s current market value and apply for a new loan with new terms. If your application is successful, your lender will present various offers to lower your...
In 2020, the Federal Housing Finance Agency (FHFA) announced that they would be introducing a 0.5% fee to refinanced mortgage loans backed by Fannie Mae and Freddie Mac. Starting August 1, 2021, the Adverse Market Refinance Fee will be removed. As a measure said to...
Buying a house is a dream many people hold for years before they actually take the plunge. Unfortunately, not everyone can afford to set aside money for a down payment or even apply for a mortgage. This is where down payment assistance programs play an important...