FHA home loans in Spearfish, South Dakota
Are you looking to get approved for a FHA home loan in Spearfish, South Dakota?
Our Licensed Mortgage Loan Originators have ranked in the top of the entire nation for helping people get home loans.
Whether you are looking to purchase or refinance, there are several advantages to working with a Loan Originator that does a huge volume of FHA Loans.
- FHA Loan Specialists: Your FHA loan program will have a team of loan specialists who are experts in all things mortgage related. These folks know the program inside and out and can be your go-to guides throughout the entire mortgage process. They’ll help you with the application, answer all your questions about eligibility, and give you some solid advice on using a VA loan. Plus, they’ve got the lowdown on all the paperwork and documents you’ll need to get that loan approved. Think of them as your personal mortgage gurus!
- Access to more Lenders with FHA Loan Expertise: When it comes to FHA loans, working with a lender who knows the ropes can make your life a whole lot easier. These lenders have tons of experience with FHA loans and can help you explore your financing options, get prequalified, and guide you through the entire mortgage process. We have access to over 200 different lenders which means the lenders will compete for our business. This means better rates and pricing for the homeowners that we work with.
- Better pricing and Better interest rates: Our team is able to negotiate better rates and pricing. We can go to a lender and negotiate a better deal with Lending pools. An example of this is going to several different lenders with 100 FHA loans and asking for a group pricing and rate discount. The Lenders will be willing to do this because making a little on a lot of FHA loans is better than making a lot on none.
- Lock Now and float down option: One of the greatest things about working with over 200 different lenders is that we can lock your rate today and if rates get better between today and the time your loan closes, we can switch your loan to a different lender with a lower rate or ask the current lender to match the better rate. This way you can feel secure that you got the lowest possible rate.
- Completely Customize your Mortgage: We offer the flexibility to customize your FHA Home Loan.
- Do you want a 28 year term instead of a 30 year term? We can do that for you. You can choose the term.
- Do you want the lowest possible rate? You can finance discount points and buy down the rate.
- Do you want to have no closing cost? We can go with rates that have lender credits, so you don’t have to pay for any closing cost.
- Do you want to pay your taxes and homeowners insurance on your own? We can set it up where you don’t have to have it escrowed for you.
- Get pre-qualified without a hard pull on your credit: Are you wondering what you can qualify for but worried that a hard pull can hurt your credit score? We can show you what the numbers will look like and what you will qualify for with just a soft pull. That way it won’t have any impact on your credit score.
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