Your Path to Homeownership Starts Here - Expert Mortgage Assistance
Mortgage Broker in Maricopa, AZ
Few purchases give you a sense of pride and accomplishment like buying a new home. From white picket fences and lush green grass to cookouts with neighbors and holidays with the family, owning a home is magical. Like most great things, though, enduring the home-buying process takes a lot of work. There are many steps to take and difficult decisions to make along the way. One of the most crucial decisions is what type of home loan and mortgage broker to choose. Whether it's your first time buying a home or you're a seasoned owner with multiple properties, you will need a trusted mortgage broker in Maricopa, AZ, with your best interests at heart.
If you're like most people, you need a mortgage professional whose top priority is their customers - an expert who can provide accurate advice and guidance so you can make educated decisions. That's where Mission One Mortgage comes into the picture.
DifferenceThe Mission One Mortgage Difference
Whether you want the best interest rates or don't know where to start in the home-buying process, Mission One Mortgage can set you up in the right direction. From getting you pre-qualified to buy a home to securing a veteran's loan, Mission One Mortgage is the trusted solution you need. As Maricopa natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Maricopa, AZ, we bring years of high-level experience and insight to the table. Having worked with hundreds of clients during our time in business, we know you're probably going through a range of emotions right now. Buying a new home can be a scary process, especially for first-time buyers. That's why we make every effort to make ourselves accessible and available for clients. Our primary goal is to help you make the right mortgage for your family and your budget.
- Mortgage Broker Maricopa, AZ
- The Mission One Mortgage Difference
- Why Should I Work with a Mortgage Broker in Maricopa, AZ
- Exploring the Benefits of Working with a Mortgage Broker
- Common Home Loan Options in South Carolina
- Home Mortgage FAQs
- Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.
Here are just a few reasons why home buyers choose Mission One Mortgage:
No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.
Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.
Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.
Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.
Why Should I Work with a Mortgage Broker in Maricopa, AZ?
Most people simply don't have access to the hundreds of thousands of dollars needed to purchase a home with cash. Instead, they take out a mortgage loan to buy a home. Unfortunately, many homebuyers are anxious to get the ball rolling and, due to their excitement, fail to shop around for the best mortgage rates. To some degree, avoiding this step makes sense, as it requires a lot of legwork and research to get the job done. For those not wanting to spend hours researching a reasonable mortgage, there's an alternative to consider - working with a mortgage broker.
To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.
What Does a Mortgage Broker Do?
Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Maricopa, AZ, from which to choose.
In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.
Help with the Pre-Approval Process
If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.
In order to be pre-approved for a home in South Carolina, you must have the following:
- Two Years of W2 Forms
- 30 Days of Pay Stubs from Employer
- 60 Days of Bank Statements
- A Valid Driver's License
BenefitsExploring the Benefits of Workingwith a Mortgage Broker
Most people choose to use a mortgage broker because they have access to different lenders and interest rates. But a great mortgage broker brings more to the table than a choice of lenders.
Save You from Unneeded Stress:One of the biggest advantages of hiring a mortgage broker is that they can find and vet loans while managing the mortgage process on your behalf. The best mortgage companies, like Mission One Mortgage, hire brokers who are experts at keeping underwriting on track, coordinating with relevant parties, and handling all paperwork involved. At the end of the day, mortgage brokers save you stress and time and often expedite the closing process.
More Access: We touched on this earlier, but it bears repeating: A mortgage broker provides access to a range of loans, rates, and lenders. In fact, many mortgage brokers can get rates lower than what the average person could get from a lender.
Save You Money: There's a chance that your mortgage broker can get your mortgage fees reduced or waived by the lender, which could save you a good deal of money.
Help with Unfavorable Financial Situations: Expert mortgage brokers can often assist in challenging financial situations, like when a buyer has inconsistent income or less-than-perfect credit. Experienced brokers, like those at Mission One Mortgage, are often aware of lenders willing to will work with nontraditional borrowers.
Provide Key Insights: Mortgage brokers share important insights, such as your chances for a home loan approval and exactly how much house you can afford. They can also save you from making costly mistakes based on their years of expertise in the mortgage industry.
Home LoanCommon Home Loan Options in South Carolina
While settling on the best type of home loan isn't as exciting as searching for the home of your dreams, it's equally important. Yes, your Mission One Mortgage loan officer in Maricopa, AZ, will be happy to help explain the differences between home loans. But understanding the basics ahead of time will save you stress and time in the long run.
Contact Us For Service !
Free Consultation
(843) 822-5685
Conventional Mortgages
Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.
FHA Loans
FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.
USDA Loans
Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.
Veteran Mortgages
Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.
If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.
FAQsHome Mortgage FAQs
Do you have questions about the complexities of mortgages and home loans? As your advocate, Mission One Mortgage is here to answer any questions you have about mortgages and the home-buying process. We encourage you to call our office to speak directly with one of our mortgage experts or continue reading below for answers to some frequently asked questions.
Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?
A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in Maricopa, AZ, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).
Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?
A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.
Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?
A. Mortgage companies like Mission One Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:
- Do not become a co-signer on a loan with someone else.
- Do not quit or change your job.
- Do not apply for new credit cards, automobile loans, or any other lines of credit.
- Do not use your credit card to pay for large purchases, like furniture for your new house.
- Do not avoid payments on current lines of credit, loans, or utility bills.
Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?
A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.
Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in Maricopa, AZ, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.
Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.
Contact Us For Service !
(843) 822-5685
Latest News in Maricopa, AZ
Cactus Cookies are going viral all over Maricopa. Here’s where to find them
Michael McDanielhttps://www.inmaricopa.com/cactus-cookies-are-going-viral-all-over-maricopa-heres-where-to-find-them/
Knowing you’re loved, you’d bite in and wash it down with a glass of milk.That memory and recipe may be long gone, but with some help, you can recapture it here in Maricopa.“They’re New York-style cookies, so each cookie is 155 grams-plus. It’s a really thick cookie,” said Alexis Aguilar, owner of Cactus Cookie Co. At $4 to $4.50 a pop (cheaper than Crumbl), three of her cookies weigh more than a pound.Chunky chocolate chip cookies are always locked in at $4.Aguilar, the longtim...
Knowing you’re loved, you’d bite in and wash it down with a glass of milk.
That memory and recipe may be long gone, but with some help, you can recapture it here in Maricopa.
“They’re New York-style cookies, so each cookie is 155 grams-plus. It’s a really thick cookie,” said Alexis Aguilar, owner of Cactus Cookie Co. At $4 to $4.50 a pop (cheaper than Crumbl), three of her cookies weigh more than a pound.
Chunky chocolate chip cookies are always locked in at $4.
Aguilar, the longtime operator of Maricopa’s Raspados Locos food truck, started selling her gigantic, fun-flavored desserts inside three businesses on the main strip in January. Her newest cookie stands are inside Joe’s Barber Shop and Mr. E Comics.
“My cookies were going viral all over town … before you know it, I was sold out,” said Aguilar, 31. With demand heating up faster than her oven, the Hidden Valley businesswoman has decided to debut a popup concept at the Copa Farmers Market this Sunday.
Every cookie she makes is a bit different, and the ingredients make a difference. In one cookie, she substitutes regular brown sugar with light brown sugar. Everything matters. Ingredient ratios and dough hydration all play a role in baking a chewy, thick and flavorful cookie like Grandma made.
Better yet, the menu rotates with the seasons — this month’s “Feelin’ Lucky” cookie is topped with magically delicious mini marshmallows. The familiar cereal flavor might elicit a glass of milk or coffee now that you’re grown up.
The pro baker crafted her recipe collection over time.
“I tweak a little bit of the recipes that I like, and I also purchase recipes from other cookie bakers,” Aguilar said.
The craft is a passion of love. A love she turned into a burgeoning business.
“I want to be able to stay at home as well with my kids and manage my own schedule, and I feel like baking cookies is fun, too,” she said.
Aguilar offers pickup service from her home bakery near Farrell and Hidden Valley Roads. She delivers the goods in Maricopa through an online order portal, Facebook or Instagram messages. She said she plans to begin offering out-of-city shipping this year.
Customers can also visit the Cactus Cookie website to order through an online portal. Or through her Facebook page here.
Her site offers a variety, including a traditional chocolate chip recipe that sports a blend of milk and dark chocolate for the perfect flavor of every bite. You might start with a mature Matchadamia, a nutty matcha-themed cookie, or a cookie packed with butterscotch chips and Biscoff.
As for the Cactus Cookie Co. name, Aguilar says: “I chose a name that resembles my Mexican roots, with vibrant color schemes, Mexican-themed designs and a cactus to resemble our desert plant landscape — and because I love cacti.
“The city of Maricopa helped me choose this name by highest vote on our local Maricopa AZ 85138 Facebook page.”
Aguilar says her kids love to watch her bake or help out by pulling ingredients and helping prep. With any help, the recipes will be a tradition in her household and a Maricopa staple.
But don’t just take our word for it.
“I’m so serious, these are some of the best cookies I’ve had,” said Kimber Shelton, a resident of Rancho El Dorado. “They were literally melt-in-your-mouth good and so big that we will have basically another cookie to enjoy tomorrow.”
SPONSORED CONTENT
Dust storm warning issued Pinal county, blowing dust advisory issued for Maricopa County expire
KPNXhttps://www.12news.com/article/weather/weather-impact/blowing-dust-advisory-phoenix-ahwatukee-maricopa-county-pinal-county-arizona/75-c5533cf3-5362-4ad7-88d0-9fdb3c1c792b
The dust storm warning and the blowing dust advisory that were issued by the National Weather Service have expired.PHOENIX — Did you see dust blowing through the skies over Arizona? You're not alone, as the National Weather Service in Phoenix issued a dust storm warning for Pinal County and a blowing dust advisory for parts of Maricopa County, but both have since expired.>> Download the 12News app...
The dust storm warning and the blowing dust advisory that were issued by the National Weather Service have expired.
PHOENIX — Did you see dust blowing through the skies over Arizona? You're not alone, as the National Weather Service in Phoenix issued a dust storm warning for Pinal County and a blowing dust advisory for parts of Maricopa County, but both have since expired.
>> Download the 12News app for the latest local breaking news straight to your phone.
Dust Storm Warning
The dust storm warning was issued at 2:40 p.m. due to "numerous dust channels" being seen near Arizona City, about nine miles southeast of Casa Grande, according to the National Weather Service. It was in effect until 4:15 p.m. on Saturday.
The NWS said that the storm caused visibility to be less than a quarter mile and it had winds that were blowing faster than 30 miles per hour.
NWS said the storm affected Interstate 10 between mile markers 189 and 204, I-8 between mile markers 167 and 178 and State Route 87 between mile markers 124 and 131 along with the towns of La Palma, Toltec, Arizona City, Arizola, Randolph, Casa Grande and Coolidge.
NWS reminds drivers to not drive through a dust storm and to pull over, turn their lights off and take their foot off the brake until the storm passes.
Blowing Dust Advisory
NWS said the blowing dust advisory was issued for areas including the Sonoran Desert National Monument, South Mountain, Ahwatukee, the southeast Valley, Queen Creek, northwest Pinal County and west Pinal County. The advisory was in effect until 6 p.m. on Saturday.
NWS said this advisory caused visibility to drop to anywhere from a quarter-mile to one mile and that it caused hazardous driving conditions.
You can now watch 12News content anytime, anywhere thanks to the 12News+ app!
The free 12News+ app from 12News lets users stream live events — including daily newscasts like "Today in AZ" and "12 News" and our daily lifestyle program, "Arizona Midday"—on Roku and Amazon Fire TV.
12News+ showcases live video throughout the day for breaking news, local news, weather and even an occasional moment of Zen showcasing breathtaking sights from across Arizona.
Users can also watch on-demand videos of top stories, local politics, I-Team investigations, Arizona-specific features and vintage videos from the 12News archives.
Roku: Add the channel from the Roku store or by searching for "12 News KPNX."
Amazon Fire TV: Search for "12 News KPNX" to find the free 12News+ app to add to your account, or have the 12News+ app delivered directly to your Amazon Fire TV through Amazon.com or the Amazon app.
Catch up on the latest news and stories on the 12News YouTube channel. Subscribe today.
Disclaimer:
