What is my next step?
Thank you for the request for our team to reach out and answer your questions. We are excited to help provide all the details you need to choose the best home loan.
Something to think about…..
Often our clients know they are ready to get started with the home loan process. Sometimes a rush is needed for us to expedite a mortgage preapproval for a buyer to submit an offer on their dream home or a quick turn around for a refinance. We are happy to accommodate any of these needs! If this is you, we encourage you to go ahead and complete a loan application so that when we connect, we will already have your specific details on hand to provide the most accurate advice. Scissortail Financial does not charge an application fee or an upfront credit report fee so there is no upfront cost to you for us to do the work needed to meet your needs.
You will start by creating a username and password within our secure loan portal as we take your personal privacy very seriously. Keeping your information safe is a priority as we begin to obtaining your personal information. This button below will open up a window to our loan portal so you can complete your loan application and track your progress. When the time is right, you can also use this to upload documentation and perform electronic signatures. We are here to guide you every step of the way. Our loan applications are intuitive and should only take about 10 minutes for you to complete. When it comes to figures like income, bank account balances, or account numbers, please be as accurate as possible. If you do not know these exact figures, that’s OK, we can always update them later.
Starting a mortgage application is an important step for anyone looking for a home loan.
If you aim to achieve the following, you’re heading in the right direction by filling out the application.
To determine affordability: Starting a mortgage application process helps homebuyers understand what they can afford in terms of monthly payments, closing costs, and down payments.
Lock in interest rates: If interest rates are favorable, starting a mortgage application process allows homebuyers to lock In a low interest rate for their loan, potentially saving them thousands of dollars over the life of the loan .
Assess credit worthiness: The mortgage application process requires a credit check, which gives Scissortail Financial an opportunity to review your credit score, credit history, and address any potential issues that could prevent you from obtaining a loan .
Better negotiation power: Preapprova1 lets the homebuyer know exactly how much they can afford, which gives them more leverage in negotiations with the seller.
Faster closing time: Preapproval streamlines the homebuying process by making it easier to quickly close on a home once the buyer finds the right one. Increased confidence: Preapproval provides the homebuyer with a clear understanding of their financial situation, giving them confidence in their homebuying process and their ability to secure financing .
Avoids disappointment: Preapproval can prevent disappointment by alerting the homebuyer to any potential roadblocks or issues that could prevent them from obtaining a mortgage, allowing them to address these issues before beginning their home search .
Increased competitiveness: Preapproval shows the seller that the homebuyer is a serious and qualified buyer, increasing their chances of having their offer accepted in a competitive market.
We understand that you are looking for specific information that pertains to your personal situation. Do the best you can to provide the answers to the questions in our application. I think you’ll be surprised at how easy it is to complete. Please let us know if you have any questions. We will assist in any way that we can!
