MORTGAGE BASICS

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

How can I assist my Appraiser?

It's to your advantage to help the Appraiser perform the assessment by providing additional information:

  • What is the purpose for the appraisal?
  • Is the property listed for sale, and if so, for what price and with whom?
  • Is there a mortgage? And if so, with whom, when placed, for how much and what type (FHA, VA, etc.), at what interest rate, or other type of financing?
  • Are any personal properties or appliances included in the property?
  • With an income-producing property, what is the income breakdown and expenses for the last year or two? A copy of the lease may be required.
  • Provide a copy of the deed, survey, purchase agreement, or additional property papers.
  • Provide a copy of the current real estate tax bill, statement of special assessments, or balance owed on anything, i.e. sewer, water, etc.