CHEER SQUAD
Rabih treated both my wife and I like we were a part of his family. He answered all of our questions promptly and completely. My wife and I being first time home buyers, it was important to us to find a lender whom we trusted and would give us the best possible loan terms. Rabih walked us through the entire process and gave us the best possible interest rate. It was a pleasure working with Rabih and I would recommend him to help others get their new home.
Reed S
Dec 05, 2023
Rabih was such a great help throughout the entire process. He always kept us informed and answered every question we had. Will highly recommend him to anyone I know.
Andrew G
Nov 28, 2023
Rabih is such a pleasure to work with! He played such a crucial role in making our first time buying a home a smooth and seamless process.
Hannah G
Nov 04, 2023
Rabih, was very transparent and was able to explain the process well. He was very easy to work with. He was always very approachable. I appreciate all his help and hard work!
Lauren O
Nov 02, 2023
Rabih was incredibly helpful and informative. As a first time home buyer I was very appreciative of his availability and willingness to answer any and all questions I had!
Daniel H
Oct 24, 2023
Robby is so easy to get along with. Very friendly and down to earth.
Jonathan D
Oct 20, 2023
Rabih made the mortgage loan process seamless from beginning to end. Whatever questions I had were answered to my complete satisfaction. I had the Ultimate Dream Team when it came to buying my new home. A girl could not ask for a better lender.
RoShunda W
Oct 02, 2023
Rabih has been excellent front our first connection. The mortgage loan process can seem daunting and stressful, but with Rabih, he made the whole process so smooth and easy and honestly, stress free!! I was so impressed! I was buying a house from out of state, and he made doing everything remotely super easy! He was always quick to respond and easily avaliable to talk over any questions that came up. I would definitely and have already recommended him to others. He has always been super friendly and easy to talk to and, again, very thorough. Did I say how quick and efficiently he works? Having all my paper work he needed available, he was able to get me approved for a loan in a single afternoon! Super easy. It has been wonderful working with Rabih. 5 stars.
Jaime G
Sep 30, 2023
The process was so quick and easy, I looked at my house on August 30 and we closed on September 15! Could not have done it without Rabih!!!!!
Kimberly P
Sep 27, 2023
Rabih was always super helpful with any questions that we had. He made the process very easy.
Brian B
Sep 24, 2023
Rabih is always great! He gets it done! I’d pick to have him in my corner any day if the week!
Megan S
Sep 21, 2023
Software is great which helped the whole process. Add to the fact that the communication was top notch and it was a much better experience than all my other previous loans.
Michael S
Sep 21, 2023
Easy and quick communication. Which was so helpful for the little questions we had during the process. He made it feel like no work at all!
Rachel B
Sep 20, 2023
Rabih is the man! He was able to answer every question we had and was able to guide us in the right direction with the right loan!
Tyler V
Sep 16, 2023
Application process was easy and streamlined. Communication from Rabih and the rest of the loan team was wonderful. Process was quick and painless.
Rebekah B
Sep 16, 2023
Rabih is so efficient and makes the communication very seamless. I know that I can contact him whenever I have a question about something and trust that he will answer it. And if he doesn't, he will get me the answer. Love working with him!
Stephen E
Sep 13, 2023
Rabih was quick to communicate whenever I had a question and he was easy and nice to work with.
Heather C
Sep 06, 2023
Rabih is truly an outstanding Loan Officer, and I can't praise him enough! While I've had the pleasure of collaborating with Rabih on transactions involving shared clients in the past, this time I had the privilege of being his client. My recent business transaction was nothing short of challenging and served as a profound learning experience. Rabih, along with his dedicated colleague Kristina, was right there with me, guiding me through every twist and turn. Together, we navigated the intricacies of the deal, and I quickly realized that investor transactions are a whole different world compared to personal ones. Rabih's expertise and unwavering support made all the difference, and I couldn't have asked for a more capable partner in this endeavor.
Rabih possesses a remarkable combination of skills and qualities that sets him apart as a Loan Officer. He's consistently sharp, incredibly creative, and his commitment to providing stellar customer service and follow-up is truly commendable. What sets him apart even more is that he's not just exceptional on the record but off the record as well – a true testament to his dedication to his clients' success. Rabih's high level of expertise is a source of constant reassurance, and I am deeply appreciative of everything he's done for me. If you're in need of a Loan Officer who goes above and beyond, Rabih is your go-to professional. Thank you, Rabih, for your outstanding support, guidance, and expertise!
Tranett B
Sep 06, 2023
Rabih was extremely helpful, professional, friendly, and kept us informed.
Rebecca S
Aug 31, 2023
Rabih isn’t just my loan officer, he is family!! This is my second home I’ve purchased using Rabih for my loan and it has once again been one of the most exciting, fun, and loving experiences. Rabih is so kind hearted and invested in what he does. Even though I hate moving, I kinda want to buy a home again just to have the “Rabih experience” again. Love you forever Rabih!
Latasha T
Aug 17, 2023
Rabih goes above and beyond. He has been answering my questions and providing me guidance for my purchase for years! When we finally found the right place, everything went smoothly!
Kelli B
Aug 17, 2023
We have purchased many houses and never had such a great experience as we did with Robby. He is fast to responds and closed us in record time. I HIGHLY recommend him.
Terry L
Aug 11, 2023
Fast, friendly, and efficient service!
Charles B
Aug 11, 2023
Rabih and his team are amazing! If you are in the market or even weighing options, talk to Rabih. He will take care of you! From start to finish was so smooth. I will absolutely go to Rabih and his team for future homes!
Joshua A
Aug 08, 2023
Great communication, easy process
Sarita P
Aug 06, 2023
Rabhi was informative, patient, and fun to work with. He made the house buying process so smooth for a first time home buyer. He helped us crunch numbers to determine what we should offer to stay within our budget.
Caroline G
Jul 30, 2023
Rabih was wonderful to work with!
Monica A
Jul 21, 2023
Rabih continually kept us updated on the process - kind, courteous, and very responsive. Would highly recommend Rabih!!!
Jeffrey M
Jul 20, 2023
Rahbi was on top of every detail. He made the experience pleasant and not burdensome. He has extraordinary communication skills. I knew where I stood throughout the process, and quickly resolved any questions or concerns!!!
Darla C
Jul 19, 2023
How smooth the whole process went and how hard everyone worked to get this done. I will always be grateful for everyone involved. Thank you!
Christophor G
Jul 04, 2023
Made it less stressful when submitting or signing papers. Couldn't have been more easier than that.
Cesar P
Jul 02, 2023
Rabi was reachable at all times. Positive attitude and shot me straight when I needed the truth.
Jason P
Jun 29, 2023
Rabih is approachable, effective, and personable! I will refer him to all of my friends and release who needs a mortgage loan!
Tuyen N
Jun 26, 2023
Easy process!
Aimee M
Jun 20, 2023
Rabih had great communication every step of the way. He responded quickly and detailed to any questions I had. It was just the most awesome experience to have when buying your first home! Cannot thank Rabih and everyone involved enough for how great this experience has been.
Alyscia G
Jun 03, 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.
