Help With The Home Mortgage Process

Don't be fooled, there's a lot involved in getting a mortgage loan in New Hampshire. If it were as easy as filling out a single page application, you would not be researching a bit on the web. What we do on our New Hampshire mortgage website is take you step by step through the mortgage process, so you can keep your eye on what's important -- making preparations to move into your new house, saving cash, or getting ready for your home equity check.

There are basically four steps in landing a loan. You'll note that we've made your part in them as easy as possible, and we take the brunt of the work! That should be an mortgage company's obligation to you.

Step one: find out how much you are allowed to borrow

This anwser to this will take into consideration a few things. How much of a monthly payment can you afford? Also, how much will a lender give you when your credit history and employment come into play? First, use the calculators on our website to find out how much you need. We'll also help you through different scenarios by asking a few simple questions. We'll help you get a good idea of the terms and programs you will benefit the most from, based on our experience in the industry.

Step two: time to pre-qualify for the NH or Ma loan.

This is the part where you save the most dough. You supply information about your employment, your assets, your residence history, and so on. Then we will get permission from you to pull up your fico score. Once we gather and examine all of your information, we will send to you a Pre-Qualification Document. This is one of your main documents -- to a home seller, it's like a suitcase full of cash! Your realty representative will use your pre-qual (as they may call it) to make the best offer on the home you pick, and now as the seller knows you are pre-qualified, it gives you the upperhand! And while you are busy searching for the home that's perfect for you, we are hammering out the fine points of the loan that's perfect for you.

Step three: simple application process!

Once your offer has been taken by the seller, it's time to finish the mortgage application. You can find the application form right here on our website. the process couldn't be easier. Also, by using this online form, you will qualify for a free appraisal of your new home.

Step four: your new hampshire mortgage is funded

Both of your agents will decide on a new hampshire or massachusetts title/escrow company to take care of the funding of your nh loan once approved. We'll make sure all the forms with the escrow comapany are in order, and all papers will be signed at the close meeting.

You've answered a few questions, given us some detailed information, applied on our site, and low and behold, you're moving in! At Mapleridgemortgage.com we're in the business of New hampshire and Massachusetts mortgage loans, you're not -- so we handle almost all of the hard work.