Buying a Home?
Buying a home – whether it’s your first or 10th, can be very stressful. Once you find your future home you have the challenges of packing up your home and maybe life, making sure your current home passes inspections and the last thing that you want to worry about is your mortgage. Going with a local lender is a wise choice as it will ease your mind knowing that your money is in trusted hands.
5 Reasons to Use a Local Mortgage Lender
1. Reliability –
As a local financial organization, we can be more reliable than the larger companies. The larger the bank, the more departments get involved, and the less anyone knows what’s going on with the team. Our Local branches can check in with their individual team members with who they work hand in hand every day to ensure the process is going smoothly. McLean Mortgage has our own in-house underwriters, so our teams are involved every step of the way to make sure there is less stress during the home buying process.
2. Knowing the Local Market –
Local lenders using the resources around them like appraisers and real estate agents that understand the true value of your home. Loan officers at local lenders invest a lot of time and effort building a great relationship with the realtors in the community they serve Since most of them live in the neighborhood they work in; they understand the uniqueness of our community and local real estate trends. Our trusted loan officers can help you choose the right type of loan for your specific situation and make sure to keep you updated every step of the way.
3. Sellers are more receptive to offers –
When a local lender provides a pre-qualification letter that accompanies the offer, this will drastically help you when you find that perfect home over the weekend. Once one of our trusted Loan Officers pre-qualify you, they can quickly provide you with a letter to match your offer. A local lender will appear more desirable to home sellers and real estate agents because of the importance of a smooth and timely process. Having a local, trusted lender can be the difference between you getting your dream home.
4. We work when you need us –
We do not have standard banker hours, our team is available when you’re available – after hours and on the weekends. This is critical when you find your dream/forever home as you won’t be waiting around until you get a response from a large corporation.
5. Personalized Service –
Using a local lender allows you to work face-to-face with an expert, eliminating a lot of uncertainty and anxiety. Local lenders give you the ability to avoid those horrible, automated customer service lines. Your loan officer might have fewer clients as well compared to those large banks or credit unions, so if you have a more complicated loan, they can offer answers as you’ll have easier access when questions pop up. If a question can’t be answered over the phone, no problem, make an appointment to speak in person.
Need more help to prep for a mortgage or want to get started? Contact a mortgage advisor today to discuss personalized options that fit your needs!