FIND YOUR PATH
Own Your Home is a mortgage facilitator. What does that mean exactly?
We are your first step in the home buying process. Let’s face it; buying a home is a daunting, sometimes-complex process. With Own Your Home, we take all the headaches out of getting you started on the path to owning your own home. (See how we worked that into our name? Clever, eh?) There are many different situations that can qualify for a home loan. Everyone’s financial and credit situation is different and unique to them and their family. At Own Your Home, we work with you personally to identify the type of loan best suited for your particular situation..
We also believe in helping you gain the knowledge necessary to make the best decision. Own Your Home will educate you about the financial requirements of the loan you qualify for. Once you’ve qualified for your home loan, we introduce you to a broker in our exclusive MortgageMatch™ Lender Network. We have partnered with the best Mortgage Lenders in the country – this ensures a local Mortgage Lender who can cross the finish line with you, face-to-face.
Credit is the most critical aspect of the mortgage process. A good credit score can save you tens of thousands of dollars over the life of your loan. On the other hand, a bad credit score can stand in the way of financing all together. Your interest rate, the monthly payment on your loan, and even your overall eligibility are directly tied to your credit score.Your credit report changes every 30 days. The information included on your report may not be correct which can artificially (and drastically) lower your score. We recommend all consumers be intimately familiar with the contents of their credit report as well as their credit scores before proceeding down the mortgage path. We even have options available for those who have errors bringing down their score.
The first step in our process will be to do a brief credit review and to make sure everything is reporting accurately. If it is, your path will continue on to finances. If not, don’t worry, your path just takes a slight detour.
Buying a home is a major life decision, one that requires some financial preparation. Do you have enough saved for a down payment? What’s your worst-case scenario for closing costs? Can you realistically afford your future mortgage payment? All of these are questions we at Own Your Home address with you to make sure you are prepared for your mortgage – both mentally and financially.
We’ll educate you on the current financial requirements, talk through any concerns or questions you may have, and when you’re ready to move down the path to home ownership we’ll begin making introductions to mortgage brokers in your area.
Over the past years we have built a network of over 20,000 mortgage brokers nationwide. No matter your situation we’ll work hard to find a broker that will work with you.Your mortgage broker will be your ally, your support, and your arbitrator with the banks.
You want somebody who understands your situation and is willing to go to bat for you to get the payment amount, interest rate, and loan terms you deserve.
“The team helped me rebuild my credit and now I am a first time home buyer. When my mortgage broker could not approve my mortgage she recommended I use OYH to help me improve my scores. The process was smooth and the team was awesome to work with.”
“I want to show my appreciation to Emily, who did a fantastic job helping me with my credit score. I joined at the end of August 2014 with a credit score of 618. Last week, I was finally able to re-finance my mortgage as my score was 702! You guys are awesome!”