One of the key factors to many soon to be homeowners is choosing a lender to obtain financing on their new home or property. Congratulations, this is exciting! If you have not already chosen and pre-qualified with a lender then the quest begins to find the best loan, the best rate and a lender you can trust. You also need one who has the knowledge and expertise for your specific market area. Additionally, you need someone who you can trust and who has the proven track record of getting loans closed and closed on time. Typically, the most competitive home loans are through mortgage brokers while if you’re looking to just finance a lot or land, local banks are the way to go. Mortgage brokers don’t typically do land financing as they don’t have loan programs for that type of portfolio so banks who can do “in house” loan are the preferred lending institutions.
Qualifying and gathering information to apply for a new home or land loan can be a complicated process and sometimes even scary. It seems like you get told different information from different people you talk to. You gather all your information, you send it to the lender, you may talk for hours or play phone tag, and you think that everything is in place, and you are ready to close. Then you get a call from the lender that you are not approved after all or they did not realize the home had a system or mechanic such as a share well, shared driveway, etc. More frequently we have issues in our market area of lenders not being familiar with systems such as shared or private wells, septic systems for sewer, private road maintenance agreements and then those “gentlemen agreements” that seem to be so frequent here in the mountains. Then you hear they will need more money down, more documentation, more, more, more. It can be a rollercoaster of emotions and an extremely annoying process if your lender is not familiar with all the options available to you or does not have a good working relationship with the realtors, closing attorneys’ office, builders, etc.
Thankfully, you’ve made a smart choice working with Nathan Fitts & Team, LLC as your real estate brokerage. Nathan is the #1 all time top producing agent in North Georgia for over 25 years. Within that time frame, he’s worked with about everyone in the business. Expecting nothing but the best for his customers and clients, Nathan Fitts & Team, LLC has preferred partner relationships with the best lenders in the area. They know the industry inside out and know not only the area but also the people, the products and the inventory. This allows for quick and accurate answers to your questions. Our preferred lenders will keep you and us up-to-date and provide a faster, less complicated loan process. Not to mention if there are any snags in the closing process, they have a dedicated and long-term relationship with us and they will jump in to resolve any issues along the way. Many times, working with the larger national mortgage companies that you just have a call center to talk with, you are just another number to them. Getting a live person on the phone to discuss and resolve an issue can be difficult and it could delay the closing process if not the closing date which could cost you extra money. It can save you money in other ways too. Not only do they offer a full range of financing, competitive rates and expert mortgage counseling but may often extend special incentives to buyer who secure their loan with one of the preferred lenders especially if it is in community or development or if it is a builders new construction home. You can be sure that when you choose an approved lender, we will help you through the entire process including the financing details. We have preferred lenders that we’ve used for many years and Nathan will personally put his seal of approval on as he knows you are in good ones with one of our preferred lenders. We encourage you to talk with them before making a decision on a lender. They will go above and beyond expectations to ensure you have the best experience ever.
Here are some services they offer to meet our clients needs:
- Immediate Pre-Qualifications & Pre-approvals
- Competitive Interest Rates – Will meet or beat another lenders fees
- Special Financing Options (If Available)
- Many Different Programs to Choose From
- Available to meet with or discuss over the phone details w/ clients not only during banking hours but also weekends, and evenings
- Credit Counseling if needed
- Extended Rate Lock Programs May Be Available
- Consistent & Frequent Status Updates to you and to us
- Attending the closing and meeting our clients personally to say thank you
Please contact us to discuss our preferred lenders further and we will be happy to provide you the their information.
