Buying a Home
Fearon Financial offers a complete range of products whether you're buying your first home or your tenth. Our products offerings include FHA, VA, USDA, Conventional and Jumbo Loans.
We're here to help structure a program that is best suited for your individual needs. Our professional Mortgage Managers will analyze your situation and provide several options that are designed to meet your personal situation. Remember, a mortgage is more than a rate. Our team will evaluate several key attributes when structuring your next mortgage. Some things we should discuss are:
- How much of a down payment you have?
- Should we use all these funds for a down payment?
- How long will you live in this home?
- Should you pay closing costs?
- Should you ask the Seller to pay points?
Once we answer these questions and several others, we will select a Smarter Mortgage for you.
Below are a few features we offer to home buyers:
- True Pre-Approvals: Unlike most mortgage brokers, Fearon Financial has in-house underwriters that review your full loan application before you shop for a home. This allows us to issue a true pre-approval safeguarding you from unexpected surprises.
- Smart Lock and Shop: - this popular program allows you to lock your rate BEFORE you find a home. This option provides you peace of mind, in today's volatile market, of knowing your rate before you find a home. If rates happen to drop you have the ability to float down.*
- Guaranteed Closing Date: - we will close your loan on time or we will pay $1,000 of your closing costs.
- Guaranteed Closing Costs: - our lender closing costs will not change guaranteed. This will give you the security of knowing our costs at time of application and closing.
We provide security and peace of mind throughout the financing process.
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