We get it. Mortgages can seem overwhelming. There’s a lot to consider, and a lot of paperwork to get done. That’s where we come in. Our Mortgage team is made up of experts with the competence, the commitment, and the compassion to help you get it done.
Our goal is to get you the keys to your house. We’re here to get it done.
What happens when mortgage expertise is made easy to use? You get your mortgage without hassle. Our mortgage app means:
Technology and people coming together. That’s how you get in the door.
You’re going to be hearing a lot of new terms during this process. Your BankSouth Mortgage Banker will make sure you understand them, but here’s some info so you can be prepared. Don’t worry…there won’t be a quiz.
Before you even begin your search, find out what kind of mortgage you qualify for! The consultation and prequalification lets you estimate the size of mortgage loan you qualify for based on your credit score and financial profile. A prequalification gives you an idea of how much home you can really afford and is a signal to real estate agents and sellers that you are a serious buyer.
A prequalification makes the loan application process easier because each process requires you to provide similar information. This includes paystubs, tax returns, etc. to verify your income. The more information, the more accurate.
Prequalification starts you on the path toward your new home.
Signing your initial loan application is not the final step. Credit, income, and assets are re-verified after you have signed your initial loan application documents, and it is extremely important to avoid activities that affect your credit, such as applying for new credit.
You need to make sure things don’t change.