CHEER SQUAD
Throughout the entire experience Morgan could not have been more helpful, accommodating, or communicative with us. She made sure we were completely informed and comfortable at all points in the process and we always felt confident that if we had issues or questions she could resolve them.
Aside from her clear knowledge of the process and help guiding us through it, Morgan’s personality immediately set us at ease. She seemed extremely easygoing and personable which made us comfortable trusting and talking with her. We would absolutely recommend her to anyone we knew.
Jackson R
Oct 18, 2023
I wanted to express my appreciation for the exceptional support and guidance provided by Morgan throughout the entire home-buying process. Morgan's extensive knowledge, clear communication, and personalized approach made a significant difference. Her unwavering dedication to addressing my questions and concerns promptly, coupled with their remarkable problem-solving skills in the face of unexpected challenges, truly set them apart. Working with Morgan transformed what could have been a daunting experience into a seamless journey, and I am immensely grateful for their outstanding service.
Thomas R
Aug 29, 2023
Mortgage Morgan made the home buying process as easy as pie. She is a great communicator and provides excellent customer service. It’s clear your best interest is her top priority. She’s like Kyrie with the dribble, Curry with the shot, and Lebron with the flop. Except Morgan never flops. Never.
Chase P
Jun 17, 2023
She was in top of everything and made the experience so easy.
Tracy T
Aug 03, 2024
Morgan was very helpful and communicative during the entire process. Answered all of our questions no matter how silly they were. Made our first home purchase as easy as possible. Highly recommend Morgan to any homebuyer!
Michael B
Jul 20, 2024
We were lucky to be referred to Morgan. From the start she showed great initiative with making sure our loan process would run smoothly. While my husband and I were in the process of moving states she worked with both of us even in different time Zones. She was willing and went above and beyond to assist our family and we appreciate all her hard work. Thank you Morgan!
Virginia A
Jul 15, 2024
Everything!
Andrew M
May 30, 2024
Morgan communicated with us on almost a daily basis and kept us in the loop on everything going on. We had a ton of questions and she answered every single one, in a timely manner. I could not recommend her more!
Blake G
May 10, 2024
Morgan is a trusted pro with excellent communication skills. Highly recommend, especially as a first-time homebuyer.
Christopher S
Apr 07, 2024
Easy and fast communication.
Alfredo T
Apr 05, 2024
Morgan helped me navigate through this journey smoothly. Her assistance and support throughout the process were invaluable.
Imane B
Apr 04, 2024
Walked me through quite literally everything that I did not understand and made sure we closed just in time even when it was a close time crunch.
Kaylee J
Apr 03, 2024
Communication was awesome, helping us have a clear understanding of the process. Morgan helped us to get everything lined out quickly and correctly, making sure our closing would be smooth; and it was. Beyond that, Morgan is a very cheerful and intelligent person to work with. We will be recommending her going forward.
Charles T
Mar 27, 2024
Morgan was very knowledgeable, professional, and helpful.
Kyle M
Jan 31, 2024
Morgan made the process easy to understand which made the home buying process much less overwhelming. She was down to earth and wonderful to work with. 10/10 recommend!
Kara B
Jan 31, 2024
Morgan was very knowledgeable and made sure it was a smooth process.
Beth R
Jan 13, 2024
Morgan McCown is by far the best loan officer I’ve ever worked with. She made my wife and I comfortable asking questions. Every question was answered patiently and in detail. Morgan also helped us calculate if we could afford our dream home and walked us through a series of financial strategies to find the best fit for us. This was crucial because the online loan calculators were far less accurate than Morgan’s calculations. In summary, Morgan made a stressful event for my family as painless as possible.
Will D
Dec 30, 2023
Morgan was kind, responsive, and flexible. She was also very clear about what I should expect, and answered all of my questions.
Nicole H
Dec 04, 2023
Morgan was wonderful to work with. We loved how calm and down-to-earth she was, as it helped keep our stress levels down. We’ve worked/spoken with other loan officers in the past whose personalities were high pressure, and so Morgan was super refreshing to work with. She always answered our texts/calls/emails right away and took care of any questions we had. We would recommend her and Verity to anyone.
Kristen D
Nov 16, 2023
You and your team did so much for us . We would have been lost. We are so great full for you Morgan Thank you.
Michael H
Oct 21, 2023
Morgan was able to explain everything in a way we understood. She was easy to reach and was very prompt with answering questions. She made sure we were informed during every step of the process. She was GREAT!
Mollie R
Oct 18, 2023
We had a wonderful experience working with Morgan, she answered all of our questions throughout our home buying journey and was overall just a pleasure to work with and very knowledgeable.
Jennifer B
Oct 10, 2023
Morgan made the process as easy and possible. She was quick to respond and great at communicating! 10/10 recommend. I will be using her for my next home!
Chandler R
Sep 19, 2023
Very personable, always available for questions
Peggy S
Sep 11, 2023
Wonderful easy experience.
Kevin P
Sep 08, 2023
Morgan is fantastic, and really does go above and beyond! We plan to stay in our home for a very long time, but if in the future we have a change in circumstance, we will definitely be coming back!!!
Rishya H
Sep 01, 2023
Morgan was an excellent communicator every step of the way. She reassured me and she came up with ideas that would fit my financial needs to get in the home we wanted. She went to bat for me when there were obstacles popping up. I am so thankful I got connected with her for this normally grueling process. She is definitely in the correct line of work.
Amy S
Aug 29, 2023
Morgan was amazing!
She explained everything to us at the each step and made sure we understood the process. She was knowledgeable and personable. She made sure not only that we got into our dream home but that we could afford it. We had no issues, delays, or problems. The lending was the smoothest piece of the entire experience.
Toniya T
Aug 16, 2023
We used Morgan to refince and she made the process very easy for us. Moreover, she spent a lot of time running numbers to get us the best rate. We've bought several homes and she is, without doubt, the best mortgage person we've used. We have referred her to several friends who have also found her equally helpful and sing her praises. Simply put, she's the best! Don't look elsewhere!
Catherine C
Aug 14, 2023
Constant communication to keep us moving forward and in the know about progress the whole experience.
Tammi V
Aug 11, 2023
Morgan goes above and beyond with communication, strategies and relationship building.
Misty J
Aug 02, 2023
Morgan made my first home purchase as stress free as possible. I felt very comfortable asking questions about the home buying process since it was my first time and had no idea what to do. She would walk me through each step so I would know exactly what stage the loan was in and gave me updates regularly. And she was even able to get our cash to close to $0! I felt confident putting all of my trust in her during this process so I would get a loan that was best for me. I would 100% recommend Morgan to anyone I know looking to purchase a home.
Elizabeth G
Jul 24, 2023
Morgan is very professional and personable. She helped every step of the way through the whole process. I couldn’t imagine having done this without her help!
Mason T
Jul 12, 2023
So, if you are looking for someone that will hold your hand though the whole "house buying" process Morgan is your person to do that. She will run, rerun, and run some more numbers to find you something you are comfortable with. Morgan goes out of her way to make sure her job it complete and you are comfortable on signing day. There are no random surprises, she is going to tell you everything up front.
If you want to work with someone that always has your best interests, you will want Morgan on your team.
Melissa M
Jun 28, 2023
I really appreciated Morgan throughout the whole process. My Wife and I came in as first time home buyers, and she did a great job explaining everything and answering all of our questions. I really found Morgan down to Earth and easy to work with, cannot recommend her strongly enough.
Hunter C
Jun 26, 2023
Morgan has helped me on my last two home purchases and it was such a pleasant experience working with her. Throughout the whole process she made sure to communicate regularly/thoroughly and navigated any "bumps" we encountered with ease! She truly cares about putting her clients first and does whatever she can to make sure it is a smooth and enjoyable process! I recommend her regularly to those I know and meet and look forward to working with her more in the future! I am so excited to see what deals we can accomplish together with all the lending avenues Verity seems to offer!
Britni L
Jun 09, 2023
Morgan did a great job helping us navigate the selling/buying process. She was with us every step of the way and helped explain things in easy terms. She went out of her way to make sure we got the deal we needed.
Meredith H
Jun 07, 2023
Morgan did such an amazing job helping us with our first home purchase. She was honest and real throughout the process and kept my wife and I informed at every step. I would consider Morgan to be the most important resource throughout the experience, both pre-purchase and post-purchase. If you want somebody who will take the stress off your shoulders and get you approved, Morgan is the only person I’d recommend.
Alex E
Jun 07, 2023
Morgan was very good about answering approval letter calls at all times for 8 months. She knows her job very well. My closing was so smooth. Very professional. I will use her again!
Tandi D
Jun 07, 2023
Morgan was top tier! I was a first time buying and Morgan took all the hassel and worry out of buying my house. She was very knowledgeable, very enjoyable to work with, and made my home buying very easy with no stress. I recommend her to anyone I know buying a house!
Michael Q
Jun 06, 2023
Morgan was always on top of everything we needed. She was very communicative and available if we needed her for anything. She has a great attention to detail as well.
Erik S
Jun 06, 2023
Morgan was very communicative and helped me feel more informed about the whole process. She always made time to answer any questions that came up. Additionally, she worked around our hectic schedules, which was a godsend for us.
Christopher M
Jun 06, 2023
MORTGAGE
We want to make your home financing as easy as it can be. With Verity Mortgage, you can relax while we handle the details.
Get Prequalified before you shop for a house
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!
What is the difference between Prequalified and Preapproved
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
Mortgage Loan Process
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
- Application
- Processing
- Underwriting
- Closing
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.
Should I refinance my house?
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!
What is a Cash-Out Refinance?
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
What can you do to update/upgrade your house with a Renovation Loan?
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
What is the difference between a fixed-rate and an ARM mortgage?
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.
KNOWLEDGE CENTER
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.
