Even though our loan was very difficult to process, we were never made to feel like we were an inconvenience. April Jordan in Haley were so kind and patient, open and honest, and worked so hard to make sure that we were taken care of. I could go on and on, but we are extremely satisfied with the service we received and will be recommending verity to everyone, we know! Thank you so much.
Jayme F Sep 06, 2023
April was extremely responsive and answered any questions I had about the process. She was great to work with!
Keely C Sep 03, 2023
Great communication through the whole process!
Jose C Aug 13, 2023
They saved my whole process and stepped in when the other mortgage lenders dropped out on us unexpectedly.
I wish i had initially started my process with Verity Mortgage. April and Jordan worked super hard and were great to us since the beginning, always just a call away I will forever be grateful with them.
Wendy M Aug 05, 2023
Great customer service! Quick responses! Employees are very reasonable!
Tyler R Aug 03, 2023
April and her team were always there for me throughout the process. They were quick to let me know things, as well as explained things in an easily digestible way.
Devin L Jul 24, 2023
April is amazing and so supportive. I recommend her to everyone
Sheri M Jul 20, 2023
April helped guide me through the whole process. Gave me advice to raise my credit score. Without her services I don’t think it would’ve been possible for us to buy our new home.
Jacob Y Jul 09, 2023
Detailed and made our home buying easy and fun.
Jovel C Jul 06, 2023
April and her staff treated my family’s and myself with the utmost professionalism and kindness! It was an absolute pleasure to be her client!
John A Jul 02, 2023
Timely and friendly communications, and helping us anticipate and understand what was needed.
Lester H Jun 24, 2023
Always in contact with us
Justin G Jun 18, 2023
The people. Everyone who worked with us made this a pleasant, easy experience. Everything was explained to us and happened on time. Thank you again April.
Charles C Jun 16, 2023
Ease of prices due to great help from April abs her team.
Krista B Jun 07, 2023
April and her team informed us about every step and got everything ready for closing early.
Crystal B Jun 07, 2023
April was great at explaining the process to us and keeping us informed.
Lee B Jun 03, 2023
April and Jordan are an absolutely awesome team. They are knowledgeable, personable, kind, and efficient. They made us feel confident at every step of the process-excellent communication and treated us like old friends!! What a blessing!!!!
William S May 31, 2023
April is an awesome person, she helped get some of our documents that were challenging to obtain.
She has great resources.
Pleasant and very professional.
Nicanor R May 24, 2023
April is so efficient and detail oriented. She is an excellent communicator. We would recommend her anytime.
Melissa R May 16, 2023
April is the best. She made the process so easy.
Robin R May 04, 2023
Super easy process
Quentin L Apr 21, 2023
April and her team always go the extra mile to ensure a smooth closing.
Lisa L Apr 10, 2023
April is the lender you want and NEED in your corner. As a Realtor, communication with the lender is so important for me. She Always answers my calls and is quick to help my clients! All my clients that use her have great things to say about her. All the staff at Verity in Amarillo are top notch!
Dana S Apr 07, 2023
From start to finish the professionalism and Curtesy was profoundly annotated through all interactions which were all virtually executed. The level of expertise April and her team displayed were highly admirable and impeccable.
Christopher F Apr 01, 2023
She was almost always available and personable. She talked on our level, but still connected us to what was going on in the loan process.
David R Mar 14, 2023
Associates were professional and helpful.
Albert H Dec 17, 2022
Oscar I Dec 15, 2022
Interaction with entire team very professional and helpful.
Lee H Dec 13, 2022
E sign docs was great and customer service was great.
Richard B Nov 18, 2022
Phyllis S Nov 02, 2022
Very good communication.
Clarence S Nov 01, 2022
Very friendly, great communication and a pleasure to work with
Gayla G Nov 01, 2022
Y’all just made everything easy and present!!
Mat G Nov 01, 2022
April and Team made my wife and myself feel like family. They cared for us as people and not as just an account number. They let us know what was happening the whole time and answered our millions of questions and never seemed irritated or frustrated with us and our new home buying. We had a complicated case and they ROCKED IT!!
Amanda S Oct 17, 2022
April treated us like family and not just an account number. She was available anytime we needed her and never made us feel like an inconvenience.
Melissa S Oct 17, 2022
Good communication & quick responses.
Tasha W Oct 11, 2022
Thank you for all your support and to your excellent team of collaborators
Manuel S Sep 29, 2022
April is a tremendous professional and we could not be happier!!!!
Ernesto S Sep 28, 2022
We appreciate how Verity went above and beyond to make our home loan happen. As a first time homebuyer this process could’ve been overwhelming and was at times, but the Verity team ensured us we’d get to closing. Couldn’t be more thankful for this team and would refer them to anyone looking to buy their first home.
Johnny S Sep 27, 2022
Benjamin T Sep 07, 2022
April is caring, thoughtful and considerate. She is professional and worked hard on our behalf to make the experience as painless as possible. Her knowledge of the industry was comforting and put us in a position for success.
Brent I Sep 07, 2022
Everything April does is top notch. Thank you again for making this happen!
Bret B Aug 18, 2022
Great communication, online signing for everything super easy
Ciarra M Aug 04, 2022
April & her team always go above and beyond to serve their clients well! Just a smooth and pleasant experience all the way around!
Dee G Jul 27, 2022
April and her staff kept us up to date on the process. We were instructed and guided wonderfully
Fabian R Jul 05, 2022
April and her team were so helpful every step of the way.
Rebecca W Jun 15, 2022
I have gotten multiple mortgages from verity.
April and Jordan always go above and beyond to make sure every loan is successful. Those two are true assets to verity!!
Albert P Jun 15, 2022
How does one describe a group of people that have reached such a level of excellence in their chosen craft that without effort it seams, outshine others in that same craft or field of work.
This is what April and her team at Verity Mortgage in Amarillo have accomplished in creating the dilemma I am confronted with.
I worked with them on my mortgage couldn't be happier at how things turned out. And yes we got the home!
Michael B Jun 13, 2022
The communication was clear, precise and super fast. I was not waiting around for days for responses or requests needed of myself or my co signer. We tried 2 other lenders before we found April and we still have not heard back from them. I absolutely would recommend April, especially for first time buyers. She made the process so simple and answered all questions we had.
Miranda P May 24, 2022
April explained everything clearly and we felt like we understood what was happening from the beginning of the process. She was friendly, helpful and clear in communication which made all the difference!
Justine H May 10, 2022
We were kept informed every step of the way. Everyone we dealt with was knowledgable and very patient. An absolutely smooth transaction.
Almond R May 04, 2022
April was always available and had answers when we had questions.
Stephanie W Apr 29, 2022
Easy ways to turn in paperwork. Great communication and quick responses to questions.
Christopher B Mar 23, 2022
I would like to recommend April Phifer to my family’s, friends and anyone who need help with home loans…. April is great and she sweet kind and she will help you everything you need… if only I could give her 100 out if 100, I will love to give her over 100. So yepp, thank you so much for this amazing journey…. Appreciate everything
Htway H Mar 14, 2022
April and her team were quick to respond and answer any questions. They did a fantastic job!
Drew P Mar 11, 2022
Everyone I felt with at Verity was very helpful throughout the whole process! Even though there was some hiccups during the process(none that had to do with the realtor or lender) everyone was very helpful and made the process smooth and stressful situations less stressful. Thanks you so much and we really enjoyed business with y’all! If we ever sell and buy again we will definitely use y’all again! Thanks again!
Steven H Mar 08, 2022
Kurtis B Feb 13, 2022
Overall it was a great experience! Communication alway came in a timely manner and closing went smoothly.
Lisa L Jan 29, 2022
Loretta B Jan 16, 2022
April and her team are always on top of things. You never have to wonder what’s going on with your loan because they let you know every step.
Brendon J Jan 05, 2022
This is our second time to use April and the team at Verity. We were once again pleased with everything getting done as needed.
Jeremy S Dec 29, 2021
The entire experience was great, the staff and other associates that we had contact with were on point. No one hesitated to reach out for information and there was not a lot down time waiting on the received information to be processed. From start to finish there was no drop of information or lack of communication. I greatly appreciated working with your company and have already recommended your company and associates to people that are looking to buy a house.
Michael C Dec 29, 2021
It was a very easy and painless experience. It felt right the whole time
Logan L Dec 27, 2021
Communicating with my me on my 3rd shift schedule made all of this so easy
Margaret P Dec 13, 2021
April Ans her team were always willing to answer my questions and work things out.
Jennifer G Dec 12, 2021
April and her team (Kim and Jordan) were awesome! We ran into some obstacles and I had all but given up. They did not, they kept working and got the deal closed. Thanks for everything.
Celistino G Dec 09, 2021
April and her team were very kind and personable. It was easy to communicate with them.
Abril Z Dec 02, 2021
April and Jordan were wonderful great communication and quick to respond. Amazing team and will make it happen, would use them again and recommend!
Kaleena N Nov 29, 2021
I don't have any specifics
Randall F Nov 17, 2021
amazing person to work with.
Christopher P Oct 16, 2021
Everything went very smoothly.
Brian B Oct 11, 2021
Aprils whole office was very easy and pleasant to work with. They got us financed and into a beautiful home quickly.
Aaron L Oct 08, 2021
April is amazing to work with! Her whole team is. She went out of her way to help my husband and I get a loan with very low interest rate! She was very quick to get back with us with any questions we had. April and her team made sure we knew what was going on every step of the way! April was a very big blessing! House shopping is very frustrating. It was so nice to work with such amazing people!
Cassie L Oct 07, 2021
April and her team reacted quickly and got things moving for us. We had been dealing with another mortgage company and they never communicated with us. April did and we appreciated that.
Joel A Oct 05, 2021
Friendly,helpful and trust ,
Thepha K Oct 03, 2021
Professional, courteous, and extremely prompt answers to any questions. Kept us informed and were available and helpful all through the process.
Sharen B Sep 27, 2021
Such great staff to work with. Made this stressful process easy and smooth. We will use them again no doubt and will refer them to anyone and everyone.
Ryan G Aug 13, 2021
April got our super hard loan done when no one else was able to! 5 stars all the way! Recommend her to anyone and everyone! (:
Carly B Aug 07, 2021
Communication was really good, and that’s hard to find nowadays. Service was great as well and kept it worry free throughout the whole process.
Jesus R Aug 07, 2021
April and her team were fantastic and made the process smooth and seamless for my clients.
Vanessa D Aug 04, 2021
Samantha Helms was the associate that we dealt with the most. She was very patient and kind and kept us informed of everything along the way. When situations arose that seemed startling, she was calm and didn't get worked up about it. She was very positive and encouraging. She made the whole experience a breeze!
Michelle P Aug 03, 2021
April and her team did an amazing job. They all were so friendly, kind and understanding in the end when last minute issues poped up. I will HIGHLY recommend Verity to all of my family and friends
Lori S Aug 03, 2021
THE PEOPLE I WORKED WITH
Cynthia R Jul 28, 2021
The convenience of having a team work with me from afar made the process so much easier!
Amee C Jul 24, 2021
Day to day communication, on time promises, timely process, and great service.
Kade S Jul 21, 2021
Well first I need to say April is probably the most professional person I have ever met in the real estate business she guided me through this hole Process with special care and she is the greatest mortgage person that I have ever dealt with not that I have dealt with that many and her assistant JordanOur so good to work with I would recommend the entire world to deal with them they are so good and kind and professional thank you ladies both you
James L Jul 20, 2021
Everyone was so kind and helpful and communication was great.
Vianey C Jul 10, 2021
The communication, explanations, and patience. Really made sure I understood what was happening at every step of the process.
Claudia F Jul 02, 2021
I appreciate that Jordan and April include me in the communication with my buyers!
Ayvrie D Jun 29, 2021
April was awesome to work with, she and Jordan were very pleasant and continually kept me informed throughout the entire process. She is very knowledgeable and did everything she could to make it a seamless transition. Thank you for all your help, I really appreciate it!
Jerrold G Jun 14, 2021
April and her team are amazing!!! They made our transition from Colorado to Amarillo as easy as it could be.
Duane C Jun 09, 2021
April was very quick to complete the loan and respond to questions throughout the process. I will definitely do business here again.
Brent G Jun 07, 2021
It was amazing service especially being out of state during the whole process!! Everyone in the office was absolutely fantastic
Michelle C Jun 07, 2021
The process with very smooth.
Braydon B Jun 07, 2021
Was always on top of what I needed and let me know what I needed done. Didn’t make me feel uncomfortable with all the many random questions I had. Definitely recommend to my friends and family, thank you all so much.
Mercedes L Jun 07, 2021
Everything went smoothly
Marcele R Jun 06, 2021
amazing service and very helpful on my progress
Salvador V Jun 04, 2021
April and Jordan were AMAZING! They made our first home buying process a breeze.
Seth H May 28, 2021
April was able to save a deal for me that another lender tanked just 2 days before closing! She was able to do it while staying in constant communication with both my buyer and I. We are both SO grateful and she will forever be recommended by me as the top pick for any and every buyer who comes my way!
Casey M May 23, 2021
April was so welcoming and eager to help us! We came in just wanting to see our options and came out with a beautiful home!! Can't believe the friendliness we came across working with April!
Macy M May 21, 2021
It doesn’t get much better than April Phifer. Every step of the way is handled perfectly for a smooth transaction every time.
Bailey P May 18, 2021
Quick responses and specific instructions made this process so easy! As a first time home buyer I was scared because there was a lot of information I didn’t know or understand completely, but April and her team took the stress away. The App was also incredibly useful scanning documents securely and directly to verity was so simple. I would recommend April to everyone and use her again in the future if I needed to!
Kirsten K May 14, 2021
First time home buy and she made the process very easy and explained it all along the way.
Justin F May 07, 2021
Great service, thank you!!
Melissa S May 07, 2021
April went above and beyond to make sure everything worked out in my favor. I am very pleased with the service I received from her and the whole team.
April H May 04, 2021
great communication on every detail. Made buy this house very painless.
Billy S May 04, 2021
Very professional, knowledgeable. Kept us informed from beginning to closing! Excellent service!
Joseph L Apr 19, 2021
April and Jordan were always there when we needed them. Just an e-mail away. If we were confused about anything they went above and beyond to break it down for us and help us find every document we needed to get the ball rolling. When there was a bump in the road they made sure to make things right so that we had the best experience with buying our new home. They really went out of their way to make sure we were comfortable and we will recommending them to all of our family and friends!
Joey W Apr 09, 2021
The lender worked well with both buyer and agents. Got the job done on time also.
Pam R Apr 01, 2021
April is fantastic to work with and is always great at communicating with my clients.
Vanessa D Mar 31, 2021
very quick to reply with great knowledge
James F Mar 29, 2021
Working April was fantastic! Always prompt with her responses, and eager to help.
April F Mar 29, 2021
Samantha was always super helpful and took her time to explain everything to me! She was a absolute pleasure to work with .
Jonathan C Mar 29, 2021
I appreciated the really good communication throughout the process which was vital to our getting closed on time. Samantha was super nice and patient and cares about helping her clients. She was always very quick to respond to me and my clients questions. Samantha gets an “A+“. Overall satisfaction for the process gets a high rating of an “A”. I will be looking forward to doing business with them again.
Dennis E Mar 29, 2021
Elizabeth H Mar 25, 2021
April Phifer and her team are absolute ROCKSTARS in the mortgage industry. My family and I felt so taken care of through the entire process of refinancing our home with April, Jordan and Samantha. Each of them always took the time to answer our many questions, and made sure we were comfortable and pleased from start to finish. April has earned customers for life with us, and we cannot highly recommend her and her team enough! Thank you April, Jordan, and Samantha!!!
Campbell K Mar 23, 2021
Their effort and help was amazing
Abdiel R Mar 19, 2021
Thanks April for always doing an awesome job. This one was extra special to me and I greatly appreciate you! ❤️
Christeena B Mar 18, 2021
Was able to close the following week after our closing date expired. Wasn't a long wait. This is typical for any loan company now. Almost expect it and clench my teeth thinking how long it really will be. Good results on this one! Thanks for your efforts!
Katrina B Mar 15, 2021
You was always there when I needed help to understand something that I didn’t know about. Thanks so much for everything.
Jerry G Mar 12, 2021
Great communication and my clients loved working with April too!
Alexis B Mar 12, 2021
April was very attentive and went out of her way to help the transaction get completed.
Andrew F Mar 12, 2021
April and her Team were very informative and helpful when I had any questions. Responded quickly and very patient with me through the whole process.
Shayla W Mar 12, 2021
Everything was great
Monica G Mar 12, 2021
Thank you for a seamless process. Very proactive and thorough. Everyone we worked with were professional and great communicators.
Theresa G Mar 10, 2021
April and her team were very easy to work with and clearly communicated what was needed when and the status of our loan. Very impressed with this team
Duane G Mar 10, 2021
What made it great was the outstanding communication along with the amazing team that I had the pleasure of working with. I well recommended this team to anyone I know of looking for a mortgage lender. The best lending experience ever.
David H Mar 09, 2021
April and her team were so helpful with every step of the mortgage process in my home buying experience. I was a first time home buyer and they made the whole process fun and easy to understand. I 100% recommend April and her team to anyone looking for lending on a new home.
Krystal M Mar 02, 2021
April and Jordan were great, made everything easy. For a first time home buyer they walked me through all the steps needed.
Paul K Feb 26, 2021
Everything went very smoothly and I was able to get the rate that I wanted. I would highly recommend this company.
Dustin K Feb 26, 2021
Love the team and the care given to ensure a smooth process!
Eva Z Feb 25, 2021
Extremely helpful! Answered every question we had!
Elizabeth F Feb 05, 2021
They made the process easy and simple, and they answered any questions I had.
Lance H Feb 04, 2021
Amazing lending team! They were great from start to finish. I would recommend April, Jordan and Sam for the lending side of the home buying process!
Denise N Feb 04, 2021
Very professional, the whole team made my house buying process smooth and stress free.
Ronald W Jan 26, 2021
Everyone employed at this business is there to support the home buyer! Jordan and April are both exceptionally professional. These are the people you want when it comes to getting a mortgage or refinancing in Amarillo!
Patrick D Jan 09, 2021
Really helpful in making the process very easy.
Chad S Jan 09, 2021
April and her team were a blessing. Everything went do smoothly and communication was amazing. I highly recommend April.
Gabriel O Jan 09, 2021
April and her team have done it again! As busy as the market has been they were able to close another transaction in record time!!! I fully trust April and her team to give my clients the best personal mortgage experience they will ever have. Thank you for your hard work as always!!! 5 star service!
Megan P Jan 06, 2021
Everything was so easy to work through and communication was prompt! Such a great process from start to finish!
Ross O Jan 01, 2021
April & Jordan are both very hardworking, patient, and understanding.
Casey W Dec 31, 2020
April and her team were amazing. With the pandemic we had several setbacks due to quarantine and everything else, however I still felt like we were top priority. We will definitely be using her again I’m the future.
Chad H Dec 23, 2020
April was great, the people working with April were very helpful and helped me through the process of buying my first home!
Shawn M Dec 07, 2020
April has a great personal touch. Seems as if she really wants to do her best for her customers.
John F Dec 07, 2020
Quick and easy.
Stacey R Dec 02, 2020
Great communication! Friendly and knowledgeable!
Ashley A Dec 02, 2020
April and Jordan worked very diligently and constantly understood when little inconveniences popped up, which relieved the stress of my first home buying process. I highly recommend these two wonderful women! They will work hard for you!
Mikayla C Nov 24, 2020
April helped us so much with our loan and was great with answering all our questions.
Alison M Nov 23, 2020
From the first call it was processed
Very quickly and they were very efficient in keeping the process moving so we were able to close on time
Jeanna S Nov 23, 2020
Shawn M Nov 22, 2020
Very Professional and their for everything you need when buying a house. Made it so easy for us during our house buying experience.
Timothy S Nov 18, 2020
Had a great experience with April and her staff very responsive and communicative.
Juan Q Nov 10, 2020
Thank you as always Mrs April. You are fantastic! Even when you are sick or out of the office you are still dedicated to the realtor and the buyer and you get it done! So impressive and so wonderful to work with. Highly recommend to everyone.
Morgan S Nov 10, 2020
April and Jordan are wonderful to work with, very professional
Bret B Nov 06, 2020
April and her team are great to work with! I would highly recommend April! She is the best!
Alexis B Nov 06, 2020
Best to work with, very kind and very professional .
Sylvia L Nov 03, 2020
The communication and help was great. It was our first home so we were very nervous but April and her assistants made the process very easy going.
Ariana C Nov 03, 2020
Great communication, very good advisor, perfect professional approach, friendly personal. I really enjoy working with Mrs. April Phifer, I definitely suggest to work with her if you want your process be done smooth and without any headache. Thank you so much for helping me and finishing all process on time even early.
Goksel D Oct 30, 2020
Very simple app to upload documents. Very fast txt and phone response. Very helpful with questions.
Franklin G Oct 22, 2020
Great communication and going above and beyond.
Tracy W Oct 20, 2020
April and her team, made my homebuying experience run so smoothly and stress free, I could not believe it. I was worried I was not doing my part, but they had everything covered. I was honestly surprised on how quickly everything got done, and I got into my new home thanks to her and her team of professionals.
Juan C Oct 20, 2020
Quick, smoothe, easy process from beginning to end!!
Brittany L Oct 16, 2020
You were all so great to work with and worked quickly! We appreciate all your help and guidance
Ricky R Oct 12, 2020
The process for everything was extremely easy.
Raeli Z Oct 04, 2020
Your office made this one of the easiest transactions I’ve done in a long time. Actually, I was the one you had to wait on. Thank you!
Tina H Oct 04, 2020
Brian L Oct 02, 2020
April and her team are amazing!!! Made the whole process super easy!
Brendon J Sep 17, 2020
April was very pleasant and thorough with all the information we needed to buying our house. I would definitely use her again or refer someone to her.
Matthew L Sep 16, 2020
I had always heard from friends/family that the paperwork and process of getting a mortgage would be extremely time consuming and stressful. I was so pleasantly surprised to find that you all at Verity made it easy! It was always quick and efficient to get things submitted and you stayed in contact with me through the whole process. Thanks so much for your help! I appreciate all of you.
Summer B Sep 03, 2020
World Class Service
Steven H Sep 02, 2020
Loved the web application that made it easy to upload documents. April always answered my questions promptly. Great Transaction!
Blake H Sep 02, 2020
Being first time home buyers everything went very smooth. We couldn’t of asked for better service and patience. Thank you so much!
Sofia H Aug 29, 2020
Great and smooth transaction!
Viridiana P Aug 28, 2020
The home buying process with april was easy from start to finish.
Sonny H Aug 27, 2020
We really appreciated the communication through the whole process!
John S Aug 25, 2020
April, Jordan and Sam truly understand the saying "above and beyond" and they live by it. I could count on them every single step of the way and trusted that I would be treated with the utmost care. They are utterly amazing, real talk! I recommend April, Jordan and Sam at Verity Mortgage to anyone seeking a home loan!
Denise N Aug 25, 2020
April and her team are the BEST!! They make every transaction so smooth! I would highly recommend them to anyone looking to buy!
Kyla G Aug 25, 2020
April and her assistant Jordan goes above and beyond. I have never delt with any lender that helps and has the compassion they do.
Stacie F Aug 21, 2020
April and her team at Verity Mortgage are the absolute best group to do business with. They were there for us through the entire process, including the unlimited obstacles and events that came up during the process. They met time restraints that most people would have just laughed and moved on. April is the sole person that genuinely appreciated our business in our entire transaction and for that reason I would recommend her to anyone and everyone!
Dustin S Aug 18, 2020
Being a first time home buyer, this process was very stressful. However, April and her team made it so much easier as they were very helpful throughout everything. They were very accessible at all times and knowledgeable about any and all questions we had. We appreciate your help!
Madison G Aug 12, 2020
A wise Jedi master once told me: “Do. Or do not. There is no try.”.... I'm living in the house now because these folks didnt just try.. they actually made it happen.
Michael P Aug 06, 2020
Ya'll were amazing. Easy to work with and very informative. If anyone i know is looking for a house, i will refer to you. Thank you for everything!
Alexis O Aug 06, 2020
April was really patient with all of our questions and was always prompt. Outstanding customer service
Caleb H Aug 04, 2020
Wonderful experience all around! 10 out of 10 would recommend.
Christian M Aug 04, 2020
Every time I had a question, they did the research and got me an answer. Excellent people.
Robert W Jul 27, 2020
Great communication keeping you updated
Ignacio M Jul 27, 2020
April took the time to teach me and help me learn about the process. She was patient with me and allowed the freedom of asking any question at any time. I was able to develop a trusting relationship with her and knew she was genuine and wanted the best for me! I am very appreciative of working with her!!!
Cailey C Jul 22, 2020
April and her team were a pleasure to work with. We had a challenging transaction with a “Big City” title company but April always came through. My client loved the convenience of the app and how easy they made the entire process. I look forward to working with April and her team at Verity mortgage again.
DeeDee B Jul 20, 2020
I came from a place of believing that I would never be able to purchase my own home but I thought I would give it a try. April was amazing and walked me through this process step by step and was so patient with me. I will highly recommend using April and her team to all my friends!
Tracy B Jul 16, 2020
April and her team patient and understanding during my home buying experience. I had a little bit of an unusual situation in this purchase and April went above and beyond to make it happen for me!!! Even when it looked like it wasn’t possible!! She somehow found a solution. It very unusual these days to find individuals, let alone businesses that are willing to go the extra mile for a customer. April did that and so much more. I will be forever grateful for April and her staff!!!
Julie E Jul 16, 2020
April was amazing! Very prompt and professional!
Heather B Jul 16, 2020
April and her team were extremely efficient, friendly, and fast processing our loan. Buying a home can be frustrating but they made it easy for us all the way.
Richard B Jul 16, 2020
Always was kept in the loop about everything. Always got back to me as soon as possible. Made sure I understood what was going on and made the process stress free and easy.
Yuri S Jul 15, 2020
The way you explained and communicated through the information.
Javier R Jul 10, 2020
April worked really hard to make sure we got our closing. She went beyond expectations and answered all my questions and communication was outstanding
I would recommend Verity Mortgage to family n friends.
Lucy M Jul 08, 2020
April and Jordan were very helpful! They helped me get what I needed and always stayed in contact!
Melinda S Jul 06, 2020
April & Jordan we’re amazing to work with! Great customer service.
Leslie H Jul 03, 2020
April was able to save the file!!! Clients were approved at another lender then could not do the loan about half way through the process. April was able to think outside the box restructure the loan and we closed!! Buyers were happy, they came the closing with less out of pocket and rate was less than what they were quoted from the other lender. April is AWESOME!!!
Patricia B Jul 03, 2020
A great experience
Josh H Jul 01, 2020
Very responsive and helpful!
Tina H Jun 25, 2020
Everything went smoothly and all questions were answered promptly.
David H Jun 25, 2020
April saved me from a big lending company who treated me poorly. April and her team worked professionally and quickly to put me in a home as soon as possible!! I had a fantastic experience with April!
Kaden R Jun 25, 2020
Everyone was Amazing !
Christina M Jun 25, 2020
Thank you for all of your help! You made everything so easy!
Megan R Jun 18, 2020
April as always, is the best lender in town! Every transaction is quick and smooth! Love her and Jordan!
Cali B Jun 16, 2020
April overly communicated to my clients every step of the way. She answered questions day and night and even on weekends to make sure they were taken care of. We even closed a week early which is almost unheard of these days. Would highly recommend her to all my clients!
Megan P Jun 15, 2020
April was available anytime we had a question. As first home buyers it was a real relief to have someone as caring and knowledgeable as April to answer the many questions that we had. I could not be happier with the service that we received.
Seth W Jun 12, 2020
Very professional staff great communication. Always willing to help.
Lydia G Jun 08, 2020
Great communication and education received as a first home owner. April and her team were quick to respond and even picked up where others in the process fell short. Thanks again!
Kayla W Jun 08, 2020
Y’all are awesome! Thank You!!!
Julie D Jun 01, 2020
I Appreciate April holding together a very difficult deal and all her hard work to get it closed.
Alexis B May 29, 2020
April and her team were a pleasure to work with. So glad we called them.
Steve D May 29, 2020
April and her team did amazing with all their help while we were in the process of buying our new home! All super sweet and communication was phenomenal! They kept up with us to make sure everything was completed and that we understood everything! Thank you all for your help!
Selina B May 29, 2020
Very polite and quick responding. Always kept me in the loop and worked strenuously to get me a house in these tuff times.
Oscar N May 15, 2020
Went above and beyond to make sure we where all set up and had everything we needed.
Addisen J May 09, 2020
April was great to work with. I’m in live with my home. I’m glad that with her hard work we were able to get this home for my family. It’s all I ever wanted.
Julia R May 09, 2020
April and her team were so easy to work with and made the whole loan process a breeze. They took care of everything and were always available for questions with quick responses. They efficiently communicated the loan process and what we could expect at each juncture. I would highly recommend them for any mortgage loan needs.
Bryce B May 02, 2020
April & Co. were great to us during the process. They were timely with requests and keeping us updated. The app was helpful in keeping up with the process as well. We’re incredibly appreciate for all of their help!
Logan P Apr 28, 2020
April and Jordan and the rest of the Verity staff were fast, effective and friendly!! I would recommend them 100%
Bret B Apr 22, 2020
April treated me as if I were a close relative who needed her help and expertise. She was always quick to respond to my questions. She has a very giving spirit.
Joseph R Apr 03, 2020
April and Jordan work tirelessly to take the best care for my clients! That's why I chose them to do my refinance. She made sure I made the right decision on which loan was best for me and my future. It was very smooth and we closed 6 days early! Even during this crazy time, April and Jordan did everything they could to make sure everything is taken care of in a timely manner and always kept me in the loop. I will continue to send my clients to April as long as she is able!
Lynsie R Mar 31, 2020
Everyone associated in this effort put 100% plus into making the process right for me. I was completely on the receiving end. First time in my life, except for God, that has EVER happened. To my way of thinking, I should have been more giving. This team worked together showing NO conflict. The entire team and process was amazing.
Annie C Mar 22, 2020
I loved the fast communication updates. Verity did not miss a heartbeat in making sure everything went smooth.
Aidee Q Mar 21, 2020
april was very clear and quick with her communication and made the process easy and painless!
Jake H Mar 15, 2020
I have used April as my Preferred lender since I started Real Estate. I would never think of using anyone else... not only does she take the best care of me and my clients, but she works super hard to make these home Loans happen! She makes herself available 24/7 for any questions we have! I just love her! I would give the highest recommendation possible to use April for any of your mortgage needs! 😊❤️
Cali B Mar 15, 2020
April Phifer made sure we were on the fastest track to closing in the loan process. It was so easy. We didnt meet her until closing and still felt like she was in person the whole time. Thank you for your patience.
Giovanna L Mar 12, 2020
The process was quick and easy. I really appreciated the line of communication between my self and your office. Thanks again
John B Mar 08, 2020
April helped us when we couldn't anyone else that would. We really appreciate everything she did for us. She kept us informed when we needed to send her more information or if anything changed on the status of our loan. It was a great experience.
Michelle F Mar 04, 2020
Thanks you ! Thankyou! Thankyou!! We are so happy with our new home! Thanks for making this happen !!
Elita S Mar 04, 2020
April was not only friendly, but extremely knowledgeable which made our process easy.
Kasey G Mar 03, 2020
Smooth transaction, great closing, quick funding. Buyer is happy!
Morgan S Mar 02, 2020
April made the entire process smooth. She made my client feel special by going above and beyond.
Allison Z Feb 17, 2020
April and Jordan made this process very easy for us! We were able to upload documents directly into the app which saved time and stress. She knows what she is doing and makes the process quick and painless.
Lynda K Feb 14, 2020
Fast response to all our questions and very understanding.
Rodolfo R Feb 11, 2020
April was great to work with and always is!
Alexis B Feb 11, 2020
Friendly and knowledgeable.
Kimberly W Feb 04, 2020
Paperwork was done quickly. Requests were processed quickly. Not any problem that they couldn't handle. Closed in record time. I appreciate everyone and how quickly everything went. I will be using April again.
Katrina B Feb 03, 2020
I really appreciate how pleasant it was working with April and her team. They were open to answer all my questions quickly and honestly. I will be sending anyone I know who is looking to buy a home to them.
Tracy H Feb 02, 2020
April went above and beyond for us. Excellent communication and very approachable. Thanks so much April!
Todd B Jan 16, 2020
Very open honest told us what we needed and worked with us through this transition
Leanna W Jan 16, 2020
Very knowledgeable and professional
Steven H Jan 06, 2020
April and Jordan, your guys made the entire process so easy by staying in touch, answering all my questions, explaining needs, and allowing electronic submissions and signatures. This was the quickest and easiest most hassle-free mortgage application I have ever completed! Thank you so much!
Eva Z Jan 06, 2020
April is very prompt and professional and took great care of my clients!
Dee D Dec 31, 2019
April was very helpful, and did an awesome job! I really wanted to close by the beginning of the month and with such little time she made it happen!! :)
Dennise R Dec 31, 2019
April does a wonderful job of communicating with all parties involved in the transaction! The fact that her and her team can close loans 30 days sooner than any other lender I have ever worked with absolutely impresses me beyond belief!
Cassie C Dec 13, 2019
You guys were very helpful through the whole process of me buying a home. You answered all my questions, and made it easy. Next time I buy a another home, I hope to be working with the same group. Thank you!
Lance H Dec 09, 2019
April did an amazing job with keeping my client and myself in the loop at all times. She made what could have been a hectic deal as smooth as possible. Would highly recommend her to all my clients.
Megan P Dec 05, 2019
I want to thank everyone at Verity for there help. They made this whole thing a lot easier.
James R Nov 28, 2019
April is great at what she does! She always keeps you in the loop and responds quickly to your questions!
Ashley A Nov 25, 2019
Hanna P Nov 25, 2019
I’m sure all loans are not the same and ours was hard I am sure. April and Jordan were amazing at handling everything and was patient with us! My original conversation with April was what sold me. She did not seem phased at our situation and was ready to tackle it. I highly recommend their services to all! Thank you April and Jordan for your hard work for our family.
Jeremy S Nov 22, 2019
April is knowledgeable, reliable, and act with integrity. Great communication skills and very respectful.
Kay A Nov 18, 2019
I know you’re working with great people when they don’t tell you the answer no right off the bat. April was really great to work with. She gave great advise on what to do to better myself before taking out loan. Thanks to April and her team I am a homeowner.
Brandon G Oct 31, 2019
April is AWESOME! I trust her with all of my clients! She works hard to make sure everything is done in a timely manner. April is the best at communication which makes the deal go SO smooth! If you haven't used April yet i would give her a chance! You WONT be disappointed!! :)
Kyla G Oct 24, 2019
April was very knowledgeable and quick to respond to any questions we had. They guided us through the loan process without any problems. Very easy to work with.
Melinda G Oct 24, 2019
Their rates were more than competitive and her communication, service and timeliness were excellent. Never had a better experience with a mortgage company. I highly recommend April and Verity.
Daniel G Oct 21, 2019
April Phifer is a lending genius, she knows how to handle every different client that walks through the door. April makes the client and Realtor feel confident in the hard decisions that are a part of every real estate transaction .
Bailey P Oct 11, 2019
April once again delivered! Always professional and efficient with the way she handled our deal!
John S Oct 08, 2019
April answered every question we could possibly have as first time home buyers.
Makenzie S Sep 14, 2019
Working with April was an awesome experience. She made sure that I understood everything. She went above and beyond for me. She stayed in contact with me and was readily available anytime I had any questions or concerns. For that, I will be forever grateful.
Bertina H Sep 13, 2019
Mrs. April was such a joy to work with. I am a first time homebuyer, and she made the process so easy. Mrs. April made sure that I understood everything that was going on from the time I came in contact with her, until the time I closed on the house. She was always pleasant and ready and willing to help anytime I called her. I highly recommend Mrs. April! She was so wonderful in my process, that even my Realtor plans on sending her clients who need mortgage lending to Mrs. April. Thank you!!
Tymesha S Sep 03, 2019
April is a hard working woman, who is diligent in making sure every transaction goes smoothly and the client is happy. April is very direct and helpful, she is a clear communicator and great with follow up. Its a joy working with April on every transaction.
Morgan S Aug 20, 2019
April is great to work with! She is a great communicator and my buyers always enjoy working with her! Her loans always closes on time too :)
Alexis B Aug 19, 2019
Great Service! I would highly recommend April and Verity Mortgage! They are professional and very helpful!
Lori H Aug 15, 2019
April always takes great care of each of my clients. She makes herself available to me and our clients and strives to give the best service to everyone! I highly recommend April for all your mortgage needs!
Miranda N Aug 14, 2019
April is one of the best lenders in Amarillo. She really goes the extra mile to get our clients approved for loans and will also think outside of the box when helping clients get where they want/ need to be.
Jarec P Aug 14, 2019
I've gone through many transactions with April and I have always had the best experience. Not only do we always close on time (or early!) but she is constantly on top of everything. The amount of education and communication my clients and I receive is incredible. I highly recommend using April for all your mortgage needs.
Lynsie R Aug 14, 2019
April is the BEST lender in town! She makes herself available when you need her, and is amazing with clients! I send her all my business and will continue to! You’re in good hands with April! ❤️
Cali B Aug 14, 2019
April is on top of current progress, and will communicate when things are needed, before they are needed.
Lisa W Aug 14, 2019
We want to make your home financing as easy as it can be. With Verity Mortgage, you can relax while we handle the details.
You can get a loan before you even select a home. A Verity home mortgage specialist can perform a pre-qualification or pre-approval so that you'll have a good idea of how much you can afford. Once you've found a home, and a seller has accepted your offer, you are ready to move to the Application process.
- You will know the loan amount you qualify for so that you know what home price range to shop
- Save time to narrow the list of homes to ones that fit your price range
- Discover any credit challenges early in the process we can resolve them at the beginning of the process
- Confidently make an offer as soon as you find your dream house
- Sellers will consider your offer more strongly with a prequalification letter over one that is not
- Your agent will ask for this as it improves your chances of getting the house you want
There are no fees or costs to getting pre-qualified, but it is a vital step in the home buying process. Call us today!
Prequalification: This is an overview of your credit profile that is an important step to writing offers for new homes and one we highly recommend. It just means that you have not submitted the documentation that will be required to verify your income, financial statements showing enough assets to close and you have not yet met the underwriting guidelines of the program you are going to select once you find the home of your dreams.
Preapproval: If you have a little more time at the beginning of the process, we always recommend getting Preapproved. A preapproval is the start of the formal application process before you find the property and is more thorough review of your financial position and ability to qualify for a home.
Why get Preapproved for a Mortgage?
- You’ll be able to move faster to find the house you want
- Most of the paperwork will be out of the way so you can close your loan faster
- You will be able to move to the top of the offer stack as your income, assets, and ability to buy has been verified
- Sellers know you will be less likely to have a delay in closing
- In competitive markets, this is another feather in your cap
Buying a house is one of the biggest decisions you will make in your lifetime. Our goal is to make the process as smooth and hassle-free as we can. Understanding the process will give you the knowledge you need to get started.
- Step in Getting Prequalified or Preapproved
You can get a loan before you even select a home. One of our home loan experts can perform a pre-qualification or pre-approval so that you’ll have a good idea of how much you can afford. Once you’ve found a home, and a seller has accepted your offer, you are ready to move to the Application process.
Once you’ve selected a home, your home specialist completes the mortgage application, gathers information about the property you want to buy, and collects personal information, such as income, assets, and employment history. For a complete list of information that you need to provide, see the Application checklist.
Once your application is complete, a loan processor reviews your file and verifies your information. We order a credit report to determine your credit history and credit score. We also order an appraisal of the property.
An underwriter reviews your file and determines whether your loan will be granted and issues the loan approval. The underwriter may request additional information during this review process.
Once the loan is approved, the closing process begins. Our closing department prepares closing documents and sends closing instructions to the title agent. The title agent is responsible for examining the title of the property and working with you for an acceptable closing date. At the closing, you’ll sign papers, pay closing costs, and finalize the transaction. Now it’s time to move into your new home.
Lower Payments*. Consolidate Debt. Pull Cash Out.
*By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
First, start by asking yourself one of these questions.
Has your income increased? Do you need to consolidate debt? Has the equity in your home increased? Do you need money for a major expense? Has your credit rating improved?
If the answer is yes to any of these questions than we encourage you to call one of our home loan experts to give you a refinance evaluation. It costs nothing but could save you thousands of dollars in interest, pay off high balance credit cards, or help pay for college or unexpected expenses.
Knowing your options is the most import part of the refinance decision so Call us today!
As you pay down your mortgage or as home values increase over time, a cash-out refinance allows you to use a portion of your equity and turn it into cash. The great news is you can use that cash however you want. Home improvements, unexpected expenses, college tuition or just to check a destination off your bucket list.
When is the best time to turn that equity into your house and use it as you see fit? That answer is up to you and can be used to fit your current needs.
Some of the more chosen reasons for utilizing a cash-out refinance are to:
- Remodel of you home
- Pay off high-interest credit cards or auto loans, neither of which is tax deductible like mortgage interest
- Help with life events like a growing family
- Bucket List Reduction
- Elimination of student debt
A renovation loan will let you do almost anything with your home. Some loans are used on smaller projects like ordinary repairs or cosmetic updates. These types of renovations loans typically don’t have minimum loan requirements for the repairs or upgrades you want to make to your home. These loans are limited to non-structural repairs with maximum loan amounts around $30,000.
With these types of loan, you can improve things like:
- Repairing or replacing your roof and gutters
- Redesigning your kitchen or bath
- Landscaping or adding a deck
- Buying new appliances
- Getting new windows, doors or floors
- Making your home energy efficient
- Upgrading plumbing, electrical, heating or cooling systems
- Ask a home loan expert (bolded and hyperlinked to find a loan officer)
Need to do more extensive renovation? We got you covered!
We have other programs that are specifically intended to make major repairs or changes to your home. These will have a minimum loan amount but the good news is you can borrow up to the value of your property plus repairs/renovation. Here are some examples:
- Room additions or adding a second floor
- Major remodeling that requires structural work
- Foundation or other structural repairs
- Projects over six months
You don’t have to settle for a house that only has half of the items on your wish list. With renovation loan you can buy in the perfect neighborhood and then get all the items on your list without coming out of pocket. This loan allows you to combine the purchase price of the home and the cost of repairs and upgrades into a single mortgage. No second lien at a higher interest rate required. Other benefits include:
- Get a home in a great location below market price
- Getting a bargain on a home allows you to move to a higher priced area of town
- Get more bang for the buck with a larger home
- Opens up your search area
- Your home fits your taste and family requirements
A remodeling home loan allows you to make your current home into your home for the future. These types of loans allow you to roll the costs of the work you do into one new mortgage. No second lien required, most likely at a higher interest rate. Since this is a refinance, you can also capitalize on lower interest rates, move to a shorter loan term and possibly lower payments.
A fixed-rate mortgage offers an interest rate that is steady throughout the life of the loan. Fixed-rate mortgages offer the security of always knowing exactly what your monthly loan payment will be. The interest on ARMs can fluctuate (up or down) periodically. The interest rate on ARMs offers an opportunity to save on interest costs. However, you are protected from rates getting too high, because a safe ARM has annual and lifetime rate caps, which limit how high your rate may go.
This a decision you must make. Here is one way of looking at the question: If you can afford the payment and are comfortable with all the other terms, it makes sense to go ahead and firm it up IN WRITING. Do not be overly concerned if rates fall after you lock. If your objective is to purchase the property, you have eliminated one uncertainty. If you are refinancing, locking the rate guarantees that you will reduce your monthly payments or be able to obtain cash you need for home improvements or other worthwhile goals.
You can lock your rate at application, while your loan is being processed and approved, or any time shortly before closing.
Verity Mortgage offers lock periods up to six months on some loan programs.
PMI is required for conventional loans with a down payment of less than 20th of the value of the home. You can avoid paying PMI by making a down payment of 20 or more of the value of the property you want to buy.
PMI will be automatically terminated when the loan-to-value ration is scheduled to reach 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches an 80 loan-to-value ratio, assuming the loan is current.
How do I know whether the house is in a flood zone, and if so, how can I determine my insurance premium?
Verity will order a flood certification before loan closing, as required by federal law. However, if you would like to find out if the property you are purchasing is in a flood zone, you can contact your insurance agent or check the local library for updated flood maps. FEMA determines flood risk by comparing your lowest floor level to flood levels from the past 100 years. FEMA bases flood insurance premiums on this information. You may need to get a slab elevation if you are unable to obtain this information from the seller or your local permit office
Annual Percentage Rate (APR) is a calculated interest rate that reflects the overall cost of a loan on an annual basis. APR includes interest payments, origination fees, discount points, and other specific costs of getting a loan and is, therefore, usually higher than the interest rate. APR can be useful for comparing different types of loans. However, while all lenders are required to calculate APR based on guidelines provided by the Truth in Lending Act, not all lenders include the same costs in the calculation. This can make it difficult to compare the APR for loan programs from different leaders.
Points, also known as “discount”, are funds paid at closing so that you can get a lower interest rate for the life of the loan. For example, you may be quoted a rate of 7.375 with 0 points or 7.000 with 1 point. One point is equal to 1 of the mortgage amount.
Closing costs are expenses paid, by both buyers and sellers, at the closing meeting. Closing costs include pre-paid taxes and insurance, discount points, origination fees, title insurance, and other fees that may apply to your loan.
Pre-paid items are hazard/homeowners insurance, taxes, and pre-paid interest. Most insurance is paid in advance, so you will be required to pay for your homeowner’s and flood (if required) insurance policy for the first year in advance. Also, the lender will require you to make a deposit of up to 2 months of payments in order to establish an escrow account.
Many loan programs require that the lender pay the taxes and insurance on behalf of the borrower. Your loan officer can determine if the option to pay taxes and insurance yourself is available on the loan program that is best for you.
MORTGAGE PAYMENT CALCULATOR
Estimate your monthly mortgage payment using the calculator below. Simply enter the purchase price of the home, loan term, and details about the home loan. Please note that escrow for taxes and insurance is not required for loans with down payments more than 20 percent. Some of this information may be difficult to determine on your own; please contact a mortgage specialist to review the most accurate monthly mortgage payment for the area you are purchasing.
Types of Loans
Streamline 203K: This is for projects where total renovations do not exceed $35,000. It is more for minor changes like upgrading HVAC, paint, fixing or replacing roofs, patios, septic systems or remodeling a kitchen. It does not allow for structural changes like foundation work.
Full 203K: This for projects that need to be more expansive in nature and may go over $35,000 in total renovations. It can be used for all the repairs from a streamline, but you can also make structural changes and reconstruction, repair or replace plumbing or use it to improve energy conservation, safety or disabled accessibility.
This is a great option when buying a home that needs a little TLC or you want to make your current home into your forever home.
What can a Homestyle Renovation help with?
- In-ground pools
- Interior and exterior upgrades
- Kitchen or bathroom upgrade
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Loan Limits: Conventional loans are capped at a maximum loan amount of $453,100 for single-family homes unless the property resides in a High-Cost Area of the United States.
Second Liens Permitted: Another difference between conventional loans and the other programs is the ability to add a second lien to assist with down payment requirements. This also is a good option when buying a higher price house and need to go above the maximum financing amount in a non-High-Cost Areas.
Loan Limits: Loan amounts starting at $548,250 or $822,375 for home loans in high-cost areas of the U.S and loan amounts to $3,000,000 and above
A VA home loan is a great benefit to military personnel during and after their service. Thank you for your service and sacrifice for our country.
No Down Payment: A VA home loan comes with 100% financing. Contact one of our home loan experts for more details.No Mortgage Insurance: Unlike USDA a VA home loan does not have monthly or annually mortgage insurance.
Certificate of Eligibility Required: In an effort to make sure we use your Veteran Benefits properly borrowers must obtain a Certificate of Eligibility . The VA Benefits portal will be able to help you find this information or contact us and we can assist you in getting the info.
Low Down Payment: FHA loans are great for first time home buyers or home buyers that are working with limited down payment. A down of 3.5% is all that is required and can be a gift from a relative.
Flexible Income Requirements: The original goal in 1934 for FHA loans was to make home ownership possible. One way the program does that is by allowing for more flexible income and credit guidelines.
Loan Limits: FHA does have different maximum loan sizes by area. To learn more click on here to see what the Loan Limits are in your city.
No Down Payment: The USDA loan comes with 100% financing. A down payment is not required which can be an obstacle to homeownership.
Low Monthly Mortgage Insurance: The upfront insurance rate on a USDA is generally lower than VA or FHA. It also has one of the lowest annual mortgage insurance fees. Other good news is the upfront fee can be rolled into the loan, eliminating an out of pocket expense at closing.
Only available in certain geographic areas: To get a USDA loan, the property you buy has to be in a USDA designated rural area, but that does not mean it is necessarily farmed land. Over 90% of the U.S. is eligible, which includes small town and suburbs. The USDA Mortgage Eligible Map will show you all the areas where you can use this loan.
Income Limits: The USDA loan was originally designed for low to moderate-income families. The guidelines for USDA define income level as being 115% of the area’s median income. This income amount if very different in different parts of the country and can be very different in certain areas of a state. Please contact one of our home loan experts to learn more.
- Fixed Rate and Adjustable Rate
- FHA, VA, and USDA Loans
- Jumbo and Conforming Loans
- Conventional Financing
- Renovation Loans
Special Programs for Non-traditional borrowers also available
100% YES! This one decision will make the home buyer process go much more smoothly. The pre-qualification process is simple:
- Gather your personal financial information such as bank statements, W-2 forms and paycheck stubs, and meet with your Loan Officer.
- We will pull your credit report and evaluate your financial documents. With this information, you and the loan officer are able to discuss the best home financing options that will help you achieve your financial and homeownership goals.
- Once you are prequalified, we will give you a prequalification letter to inform your real estate professional and the seller of the property that you’re a preferred and serious potential buyer. This will give more weight to any offer you extend on a property as well as allow you to relax and enjoy the process of looking for your new home.
- How long will you live in this home? Several years, or just a few?
- Do you anticipate your income or finances to significantlychange over the next few years? Do you anticipate significant changes to your income or finances over the next few years?
- Are you either comfortable or uncomfortable with an adjusting monthly mortgage payment? Have you considered an adjusting monthly mortgage payment?
- Do you plan to be out of mortgage debt by, for example, when your children start college or when you retire?
Based on your answers, your home loan expert can discuss different home loan programs that will suit you financially and help you reach life’s milestones.
An FHA loan, on the other hand, is guaranteed by the Federal Housing Administration. FHA is a government agency that works with approved lenders like us.
Typically, origination points are applied and disclosed at the time of locking in an interest rate. On the other hand, discount points can be added at the time of lock or later in the process if you choose to pay to reduce your interest rate.
Origination fees are the fees required to originate the loan. They can include processing fees, underwriting fees, administrative fees, and several others. One of our Loan Officer can give you a complete breakdown of these fees as they vary from state to state.