Purchasing a home can be very stressful, preparation can go a long way to make the process run smooth.
Get Pre-qualified and do it NOW, waiting can only make the process harder
Get pre-qualified at least 6 months before you intend to purchase
We can identify any possible issues with credit or qualification that need your immediate attention, and put you in the best position possible to qualify for superior financing when the time comes to “pull the trigger” on your purchase.
Check if our CREDIT ENHANCEMENT program can improve your rate
Regardless if you have credit concerns or not, we offer a CREDIT ENHANCEMENT program at NO COST
With your permission we submit your file to third party Industry professionals to analyze your credit and make recommendations to increase your score.
Recommendations are made, and you can take direct actions that will have a positive impact on your fico score!
A higher score when you buy means a lower rate and a better payment!
This can even be done while your mortgage is in process to improve your rate before closing!
Choose the Mortgage that is Right for You
We offer a wide range of products, making it easy to choose a loan that is right for you.
The Brandywine process is simple. We give you the options available, discuss the benefits and process to qualify for them, and you choose what is best for you. We have flexible lending options and expert advice, all at wholesale pricing.
Knowing what you must put down and how much your payments will give you peace of mind when you find that perfect home.
Go House Hunting!
When your pre-qualified you are now a more knowledgeable house hunter.
You know your price range and what you can afford, and so does your real estate agent, who can narrow your home search.
When you find the perfect home your Real Estate Agent will help you submit a formal offer and negotiate a sales price.
Start the financing process
After you go under contract and agree on a price, we submit your application to an underwriter for formal review.
By this point, you will have been coached on what to collect and how to collect it, making the application process easy.
After underwriters review your application, they typically ask for additional items. We work to identity those in advance and help you to collect them to get your loan ready for loan closing.
Close on your home!
All parties meet at a settlement company and sign the final paperwork.
Celebrate at your new home!
First-time Home Buyer?
Brandywine Valley Mortgages can help guide you through the loan process.