There are as many types of mortgages to choose from as there are types of houses to buy. Before we discuss rates and terms we need to know more about your specific situation. That is why, at Summit Mortgage, we offer a free Client Assessment.

This is where we learn what it is most important to you in a mortgage. For example, if you plan to sell your home in a few years, an adjustable rate mortgage or balloon loan may make more sense. However, if you plan to keep the home for a longer period, a fixed rate mortgage may be more suitable.

In addition, we will thoroughly explain what it means to qualify, the advantages and disadvantages of different loan programs, and the loan process. With so many programs to choose from, each with different rates, points and fees, our experienced Mortgage Consultants will evaluate your needs and recommend the most suitable loan program, thus allowing you to make the most informed decision.

Here is an outline of how the Client Assessment works:

  • Needs Analysis - analysis of your short term and long term goals
  • Qualification Quadrant - an explanation of the four areas used to qualify for a loan
  • Loan Programs - explanation of the different types of loan programs along with the advantages and disadvantages of each
  • Loan Process - how the mortgage process works, start to finish
  • Loan Options/Recommendations - we present your options and our recommendation
At Summit Mortgage it is more than just rates and terms, it is an opportunity to build a life-long relationship as your real estate financial advisor. That is why we spend the extra time getting to know you, our client. You need a company you can trust, a company who communicates with you and a company you have confidence in. We, at Summit Mortgage, want to be that company.

If you are ready to get started you can Apply Online or contact one of our experienced Mortgage Consultants for more information.

CLIENT ASSESMENT | PRE-QUAL. | PROCESSING | UNDERWRITING | CLOSING