Learn How To Get a Loan
Buying a home, especially your first one, is an exciting but daunting task. For many, it is one of the biggest decisions they will make in their lives. At ACB Mortgage Solutions, we specialize in making first-time and experienced homebuyers feel at ease about their decision. Our dedicated loan officers and client relations managers help guide you through the process from start to finish, making sure you understand everything along the way.
REASONS TO WORK WITH A MORTGAGE BROKER
These are the top 5 reasons why using a Mortgage Broker is better than working with a direct lender, such as a bank or other financial institution.
PRODUCTS WE OFFER
Unlike banks that only provide their own loan products, mortgage brokers can present home buyers with many different loan options. More options mean more choices for you in terms of both rates and loan types.
A broker’s job is to work on your behalf with several lenders to find you the most competitive interest rates and negotiate terms that best fit your needs. This, of course, makes the mortgage process easier for you and can save you a lot of money.
RESOLVE ISSUES QUICKLY
An experienced mortgage broker who regularly works with many different lenders can foresee problems that may arise with certain ones, like not being able to close on time. Therefore, they can direct you accordingly to avoid potential problems.
When you take on a new mortgage with a lender, there are several fees involved. These include origination fees, application fees, and appraisal fees. Sometimes, mortgage brokers can get lenders to waive some or all of these fees, which can save you several thousands of dollars.
NON-TRADITIONAL BORROWER SOLUTIONS
If you’re self-employed, have inconsistent income, or not-so-great credit, it’d be best to work with a broker who can help get you approved based on your financial status. They can present the best loan products and rates available to non-traditional buyers and are usually familiar with lenders who will issue loans to such types of borrowers. Brokers can also help investors, who are often looking to protect their profit margins with the lowest-rate loan products possible.
Being matched with the mortgage that makes the most sense for your situation involves careful consideration of your needs, finances, and history. We are here to guide you, and while there is no substitute for a conversation with one of our expert loan advisors, below is a brief summary of the products we offer.
Whether you are purchasing your first home, forever home, new build, or investment property, we offer programs designed for all types of homebuyers, including Fixed-Rate, Conventional, and New Construction/Rehab Loans. We also offer Jumbo Loans that come with more flexibility and larger amounts, as well as government-backed loans, including VA, USDA, and FHA loans, which have minimum or zero down payment requirements.
We offer refinancing to replace your current mortgage. A refinance can potentially reduce your monthly payments with a lower interest rate, switch from an adjustable-rate to a fixed-rate mortgage, or shorten the term of your existing loan so you can build equity faster. We also provide Cash-Out Refinances to pay off high-interest debts while refinancing to a loan with a lower interest rate.
For our business investor clients, in addition to our traditional lenders and Conventional and FHA programs available for Investment Properties, we also specialize in Non-QM and Commercial loans, including programs for Asset, Bank Statement, or Investor Cash Flow Qualifiers that meet our client’s diverse needs. We offer financing solutions for Owner and Non-Owner Occupied Properties, Rental Properties, Fix & Flip, New Constructions, Non-Warrantable Condos, and Investor Lines of Credit. Options also available for Investors seeking large rental projects of over 5 units.
ARE YOU READY TO GET STARTED ON A REFINANCE OR PURCHASE LOAN?
“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 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.”