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Turn your dream home into a reality

Making the home buying process easy,
from start to close

Nothing hidden

A straightforward approach to home buying... no hidden costs or fees.

Quick pre-qualification

Our quick pre-qualification process will get your offer to the top of the list.

Flexible options

We'll be happy to help you choose the best type of home loan for your needs.

Fast & speedy closing

We’ve built our company around closing mortgage loans quickly.

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It's good to have options

Find the right loan for you

We offer tailor-made loans to match your specific needs.

FHA

FHA (Federal Housing Administration) backed loans are ideal for first-time home buyers and those low-to-moderate-income borrowers. Loans are insured by the FHA. Down payments may be as little as 3.5% and 100% of the down payment funds can be from a gift. There are also several other options for the source of funds needed for closing. The seller can contribute up to 6% towards closing costs, prepaid cost and points. No cash reserves are required for loan approval. FHA loans can be fixed or adjustable rate.

Conventional loans are traditional home mortgages, not backed by any government program of insurance or guarantee. There are standard underwriting guidelines for conventional conforming loans up to $766,550 (or up to $1,474,000 in some high-cost areas). These loans are available as a fixed or variable (ARM) rate with a variety of repayment terms which can be tailored to your individual needs. Buyers will need cash reserves/savings to cover two months of payments and generally, there is not a penalty for prepayment.

VA (Veterans Administration) home loans are available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements. VA home loans may be provided with no down payment requirement, making them ideal for first-time borrowers. Requirements are generally 2 years in the armed forces with veterans benefits. A Certificate of Eligibility (COE) is required. The seller can pay closing costs and prepaid items. There is a 100% financing option and there are no penalties for prepayment.

If the anticipated amount of your mortgage loan exceeds “$766,550 (or up to $1,474,000 in some high-cost areas), we offer a variety of mortgage options which will meet your needs. So-called non-conforming jumbo loans can be either fixed or adjustable rate mortgages (See Conventional Loan Programs). Underwriting guidelines may vary depending on program selected, down payment and actual loan amount.

Unlike any other lender, MortgageShield offers a wide variety of options for First time home buyers. Whether you are looking for down-payment assistance, looking for the best rates, or not sure where to start, our expert Loan Officers are here to walk you through every step of the way.

Many times, you may just need a different type of loan created for you. While these custom loans are not as common, MortgageShield wants to make sure that at the end of the day, you have a loan that fits your needs. If any of these situations seem like something you are or could be going through, contact us today to sit down and discuss putting together a custom loan for you.

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The purchase process

Six simple steps toward your new home

Purchasing a home is one big decision, so before you take action, take a couple of minutes to familiarize yourself with the loan process ahead.

Get pre-qualified
01
Start your application

We’ll first need a few details about you and your financial profile, along with all the information you can share about the type of loan you desire.

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02
Provide the necessary documentation

MortgageShield’s qualified Loan Processors will review documents submitted by the borrower as well as the credit report.

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03
Get pre-qualified

After reviewing your financial situation, MortgageShield will pre-qualify you for a specific loan amount for your dream home.

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04
Find your dream home

Find the home of your dreams and decide on the best price to offer. Once your offer accepted... Open escrow, schedule inspections, and begin moving preparations.

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05
Underwriting & approval

We will review the underwriter’s conditions with you, order your final loan documents & schedule signing appointment.

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06
Congrats! You're ready to move in

MortgageShield can help you all the way through the closing process. Once you have your final walk-trhu and your loan is funded, you then can move into your new home.

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What you need to know to buy a home

Home buying questions and answers

There is a very big difference between being Pre-Qualified and Pre-Approved. A Pre-Approval is based on credit being reviewed along with income and assets having been verified. A Pre-Qualification is simply a phone conversation and MortgageShield says based on what we have talked about-you “should” be able to purchase a property at $X.XX. Pre-Qualifications are pending everything being verified. To put an offer in on a home you should have a written Pre-Approval in hand.

This is a number that is different for everyone and a big part of the pre-qualification conversation. During our initial conversations, we will determine what the max you are approved to pay on a monthly basis but most importantly-what are you actually comfortable paying each month? Typically, what you qualify for and what you are comfortable paying are two different numbers. Reach out to one of our mortgage loan officers to determine the right payment for you!

There are several factors that will determine the mortgage payment a person pays on a property. Things like the price of the home, length of the loan, interest rate, how much you put down, credit score, home insurance premiums, and property taxes. Another figure you need to take into account though, not directly in your mortgage payment is HOA dues. Those can apply to certain properties and will be paid monthly along with your mortgage payment.

Perhaps the question that feels most urgent or relevant is this one. You will know the exact amount of your costs well before closing on your loan, but you can estimate the amount beforehand and your loan officer will help you with that.

Closing costs typically range from 2% to 5% of the home’s purchase price. The exact amount depends on various factors, such as the loan amount, location, and specific fees applicable to your transaction.

You can use online calculators and estimates provided by MortgageShield to get an idea of your potential closing costs. However, the final amount may vary based on negotiations and the specifics of your transaction.

If everything goes as expected and well, your new house keys will be delivered at closing. In a scenario where MortgageShield will demand the loan to be funded, you will have to wait till then to have the house keys.