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Hampton
Funding Group provides two easy ways to apply for a loan. All methods
are completely secure, are free of cost and risk, and totally confidential.
Refer to our Mortgage Glossary to better understand some commonly
used mortgage terminology.
Home
loans come in many shapes and sizes. Deciding which loan makes the
most sense for your financial situation and goals means understanding
the benefits of each.
Mortgage
expenses for processing your loan vary. You need to consider the closing
expenses associated with your loan.
Hampton
Funding Group believes in building relationships, not just selling
you a loan. Use this convenient mortgage calculator to estimate your
monthly payments.
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Congratulations
on your decision to buy a new home. There are many important
things to consider throughout the process, especially if you're
a first time home buyer. Here's some information that can
keep you on track. This is likely to be your largest financial
transaction to date, so it's important to make the right decisions
and to keep an eye on the details. With the assistance of
your Realtor and Loan Officer, it should be an effective,
pleasant, and rewarding experience.
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- Preview
available homes to weed out those that are overpriced, or
undesirable some other way.
- Present
the homes that suit your needs as you've defined them.
- Help
you determine the difference between a "good buy"
and a property which, because of its nature (neighborhood,
market appeal, etc.), might have to be discounted if you
decide to sell it in the future.
- Negotiate
the best deal for you. With a Pre-Qualification
letter in hand, your Realtor will be able to demonstrate
that you are a qualified and capable borrower. This will
strongly influence the Seller, and may make the difference
between the Seller accepting your offer or someone else's,
even if your offer is lower.
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- Assist
you in selecting the best loan to meet your personal situation
and goal. (This single decision can save you thousands of
dollars throughout the years!)
- Keep
you informed by e-mail and phone of your loan status throughout
the entire process.
- Keep
your Realtor informed of our loan progress (Note: your personal
information is always Confidential between you and Hampton
Funding Group, only deal points and progress are shared).
- Save
you time with Hampton Funding Group's ability to shop many
different lenders for the best loan at discounted rates
and fees.
YOUR TIME IS VALUABLE!
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- Keep
your Realtor informed of any questions or concerns as they
develop.
- Keep
the process moving by providing documentation and decisions
as soon as reasonably possible. By doing so, many of the
details are taken care of early in the process so you can
comfortably concentrate on any last minute details or events
that require your attention.
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Enjoy purchasing your home, but do remain objective
throughout to make the business decisions that are best
for you.
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Make sure you are pre-approved
as early as possible. This will put the power of financing
behind you so you can concentrate on selecting your home.
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