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Purchase

Purchasing a home is an exciting time for everyone from first time to experienced homebuyers. There is a way to do it right and save money in the process.  Many buyers don't realize that by connecting with a great lender, you can accomplish a lot of prep work before you even start looking at homes. This will save you a tremendous amount of time and reduce the stress of the process when you are ready to make that first offer.

We believe at Scissortail Financial in fully preapproving our buyers.  A lightweight prequalification is not enough to compete with cash offers in a multiple offer situation.  Pre-approval takes the prequalification process one-step further and gives the seller confidence that your chances of full loan preapproval are strong!

If you need a loan to buy the home, a real estate agent will want you to talk with a mortgage professional before viewing the home. A Realtor will ask you what your criteria are and set up a search through the MLS for you, but a good Realtor is also going to say, “The next step is for you to contact a local mortgage lender and make sure you’re fully preapproved”.

A mortgage preapproval makes your purchase offer more credible. Even more important, when you get a preapproval the lender will tell you how much you can afford to borrow. So, a mortgage preapproval is a budgeting tool that lets you know how much you can afford to spend on a home. It prevents you from overspending and narrows down the price range of houses you look at.

Our process is comprehensive and we will answer your most important questions with specific information.

Rest assured, all your questions will be answered when Scissortail Financial completes your preapproval.

For example: What will my payment be?  How much money will I need to bring to closing?  What up front expenses will I have?  Which loan programs do I qualify for? What down payment options are required?  How long does the process take?  What are common challenges that other buyer face?  How long will it take me to pay off my loan?  If I pay my loan off early, will I incur a penalty?  Why do borrowers get declined for a home loans?  Can I include my closing costs into my new loan?

These are a some of the most common questions borrowers have. Rest assured, all your questions will be answered when Scissortail Financial completes your preapproval.  Then you can make that off on your next dream home with confidence!

Learn more about the process Questions You Should Ask

The experts at Scissortail Financial will arm you with helpful mortgage information plus other valuable resources to help make buying your home quick and easy! 

Step 1 is to make loan application.  To make it easy, Scissortail Financial does not charge loan application or credit report fees to get started.  Scissortail Financial is here to help you every step of the way. 

Call us today to take the first step.

You will be glad you did.

The only lender that would truly listen to my needs-
I chose your company because you were the only lender that would truly listen to my needs and concerns. The other lenders acted like I was a waste of their time. Overall, I would rate your service as excellent. You always kept me informed and I saw first hand how your team kept my file a priority which really impressed me. You all are very hard workers! I could not have asked for a better level of professionalism. The transaction was handled perfectly and you exceeded all of my expectations. I look forward to referring my ...

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