Reach a Loan Officer About Home Loans in Elgin
There is no form or inbox here, only the phone. On that call we can open your loan application, check whether you pre-qualify or quote a current rate, and go over each fee before you sign.
Where we work
Elgin, TX
Manor, Camp Swift, Pflugerville, Hutto, Taylor, Bastrop
Hours
- Mon-Sun
- 8am-5pm
What Happens When You Call
First we ask about the goal behind the call. Some callers are buying their first place. Others want to refinance, pull cash from equity or finance a rental or a flip. Once we know that, we compare the programs that could apply, from conventional, FHA, VA and USDA loans to a HELOC or a bank statement loan. Then we explain plainly why one suits your income, credit history and down payment better than the others. Your credit is pulled only after you agree to it, and we tell you before it happens.
After the application starts, you get a Loan Estimate. It shows the rate, any points, our lender fees and projected closing costs, each on its own line. If something shifts before closing, such as a low appraisal or a rate lock that lapses, we put the reason and the revised figure in writing. If you would rather sit down at our office or meet over video, mention it on the call and we will schedule it.
What to Gather Before You Pick Up the Phone
- Two years of W-2s or 1099s, or 12 to 24 months of business or personal bank statements if you work for yourself.
- An estimate of the purchase price or what the property is worth now, along with the amount you plan to put down or borrow.
- Your most recent mortgage statement if you are refinancing or want a line of credit against existing equity.
- For a VA loan, your discharge papers or the VA eligibility certificate, if you already have them.
Ready to Get Your Numbers on Paper
Tell us about the property and your plans, and we will start the paperwork on the same call. You will know the rate and the fees in writing before you commit to anything.