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Ready To Purchase A

NEED A HOME MORTGAGE LOAN?

We’re here to help make the process simple, so you can begin creating memories in your new home.

I'M A FIRST-TIME HOMEBUYER

You likely have many questions: What can you afford? What should you be doing to prepare? Are there special mortgage loans for you?

I'M BUYING A VACATION PROPERTY

Financing a vacation home is different than financing your primary residence. We know this because we’ve helped many borrowers finance vacation homes all over the country.

I'M BUYING A HOME

There is a lot to consider when buying a new home, or moving from one home to another. The good news is, we will help make it easy.

I'M PURCHASING AN INVESTMENT PROPERTY

Investing in residential property can be a great way to build equity and generate additional income. We can offer you competitive financing.

Documents Required For Purchasing

Signed Purchase Agreement

Signed by all parties – buyers and sellers.

Asset Information

Statements from various accounts where you have cash or investments.

Proof of Recent Income

Most recent 30 days of pay stubs showing year-to-date income.

Tax Returns

To verify past income history.

Deposit Check

Both front and back of the cleared check.

Driver's License

Well, because we need a pretty picture of you.

Our Most Popular Loans

FHA

The Federal Housing Administration (FHA) loan program offers a great opportunity for buyers with less-than-perfect credit to get into a home or refinance their current home. FHA-insured loans allow consumers with lower credit scores, a smaller down payment, and higher debt-to-income ratios to qualify.

Conventional

Those with good credit and the funds for a larger down payment may be better served by a conventional loan. Borrowers can avoid paying the upfront mortgage insurance and possibly the monthly mortgage insurance of an FHA loan. Plus, conventional loans do not require private mortgage insurance (PMI) if you have 20% or more to put down.

VA

Active or retired military? You may qualify for 100% financing with a VA loan guaranteed by the U. S. Department of Veterans Affairs—and you won’t need mortgage insurance. We’ve helped thousands of Veterans, active service members, and their families take advantage of their earned VA benefits so they can buy or refinance homes with little or no money down.

USDA RD

Borrowers looking to buy or refinance a home in eligible rural areas may qualify for a USDA Rural Development (RD) guaranteed mortgage with no down payment and zero out-of-pocket costs. These loans were specifically designed for low- and moderate-income borrowers in designated rural areas. Income and other restrictions may apply.

Why Choose Assurance Financial

Our customers like us because we offer competitive rates and fees, quick turnarounds on their loans, and really great customer service. If you're a first-time home buyer, it's likely that you're somewhat intimidated by the home buying experience. Even people who have previously bought homes can find themselves inundated by paperwork, confusing processes, and new concerns. The right loan officer can help you find your way through this unfamiliar territory. It’s our #1 goal to make your home buying or refinancing experience easy and hassle-free by closing your loan accurately and on time.

Our Promise To You

We Truly Focus On You

Excellent customer service is our top priority.

In-House Underwriting

Driven professionals with a single goal to process your loan.

Simple Process

Securing the right loan for you is what drives our team.

Fast Loan Closing

We strive to close all loans on time, every time.