If you haven’t experienced it before, the home loan process can feel overwhelming, but I will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, consider a highly rated Mortgage Broker in the Dartmouth, MA area such as Onshore Mortgage LLC. Onshore Mortgage has over 25 years’ experience writing mortgage loans, is ranked 5-Stars on Google and consistently performs in the Top 1% Nationwide.
A mortgage pre-approval is based on a more in-depth and detailed review of your financial background and credit history. Pre-approval requires Onshore Mortgage, LLC. to review your credit score, income and asset documentation. A pre-approval is also a more reliable indication of what you can afford since your documents are thoroughly reviewed. Through our easy-to-use individual web portal, you will receive reminders about pending documents needed to close your transaction. With a pre-approval, you can have the confidence that you will purchase a home within your budget and on terms that work for you.
Let’s Get Started
START THE PROCESS
“Your family and your future is my focus. As a homeowner and New England resident myself, I am dedicated to earning your trust before starting the mortgage process. I will spend the extra time necessary to understand your personal needs and then put my 25 years of lending experience to work, finding you the best loan options suitable to your personal situation. I am truly dedicated to my work and here for you 24 hours a day, 7 days a week. My goal is to offer you the most cost-effective mortgage by combining my Lenders competitive wholesale mortgage rates matched to your personal credit profile. No matter where you are in the home buying process, we want to be the ones to guide you home.” – Grant R. Menard NMLS# 17308
Application & Processing
WHAT TO EXPECT WHEN YOU HAVE SECURED YOUR PROPERTY
Once you find your dream home and execute a Purchase and Sales Agreement, Onshore Mortgage, LLC. will help you complete a full digital mortgage loan application through their secure, encrypted portal, and walk you through the various fees and loan options. The application and documents are then reviewed for accuracy and the property appraisal and title examination are ordered. Your loan is then sent to our Wholesale Lender, who reviews our work and issues a “cleared-to-close” if the loan meets the guidelines and compliance. Onshore Mortgage, LLC. consistently closes mortgage loans within 10 business days from receipt of your Purchase and Sales Agreement.
SIGNING AND FINALIZING YOUR MORTGAGE
Once the loan is “cleared-to-close” all parties will agree on a time and place to close the Mortgage. The closing Attorney will finalize your closing figures and take into consideration any funds given at time of signing the purchase and sales agreement. Onshore Mortgage, LLC. will review your final figures and answer address any concerns you may have before going to the closing table. One you have signed all the closing documents and your loan is recorded, you will be given your keys and you are officially a happy homeowner!
Grant R.Menard, President
Licensed as a Mortgage Broker by the Massachusetts Division of Banks NMLS# MB1995582, Licensed by the Rhode Island Division of Banking NMLS# 20214235LB, Licensed Mortgage Loan Originator – Grant R. Menard NMLS MLO #17308