Equity Smart Home Loans

We believe that life is all about the journey. Buying a home is the start of an exciting beginning that leads to financial independence and personal fulfillment. However making the right choice isn't so obvious. We help by making the loan process simple and easy to understand so that getting a loan or refinance is just another step in reaching your goals.

Buying a home can be a daunting process. It is your biggest investment as well as your largest debt. Thus the home buying process can easily be one of the most exciting, as well as the most stressful, times of your life. So how do you go about it all? Do you Find the house first then look for a mortgage?

Loan pre-approval (or Pre-qualification) occurs before the loan process can begin. The lender gathers information about your income and debts, and makes a financial determination about how expensive a home you may be able to afford. It's a good idea to know what price range you can afford before you start shopping for a home!

In a perfect world, home buyers would have all the money they need to purchase their dream home upfront. Most of the time though this isn't the case. That is where mortgages come in. The idea behind getting a mortgage is fairly straightforward. A home buyer wants to purchase a home but does not have all the money needed to complete the transaction.

When it comes to shopping around for mortgages, conventional loans are a good option to look into for borrowers with good credit and a stable income. They do have stricter requirements than other loan types, however, if you qualify than a conventional loan can be a great tool to purchase your home.