Why use Premier Capital Mortgage instead of using a Bank directly?

1. We offer a variety of mortgage programs from many banks giving us the ability to find the best mortgage for you without running your credit multiple times which can ultimately affect your scores. Banks can only offer their individual products.
2. We are given rates from lenders at wholesale prices, which mean we can offer you lower rates. Banks offer you rates at a retail price.
3. We are not compensated until we close your loan, thus giving you our undivided attention to see your purchase through in a very timely manner. Bank loan officers receive a salary whether your loan closes or not, thus files may sit on an officer’s desk for days or even weeks.
4. Our Mortgage Specialists are available evenings and weekend hours. Banks are opened 9am -3pm, Monday through Friday. Also, Banks typically have few loan reps that may service large geographic areas, which can make them extremely hard to access when you need them.

Should I get a Pre-Approval first or find a property first?
It’s a good idea to contact us first to see what you qualify for as well as determine what’s comfortable for you. Also, most Realtors require a Pre-Approval from your Mortgage Company before they take you out to see property listings. A pre-approval from Premier Capital Mortgage can be obtained in less the 24 hours (Free of charge).

What if I don’t have a lot of money to put down?
Don’t worry, there are programs that provide 100% financing. There are also programs that provide closing cost funds as well.

What kind of paper work do I need to provide to Premier Capital Mortgage to start the process?
Since every loan is different, the paperwork can vary. In general, you should be prepared to provide:

• Your last 2 years of W-2s (tax returns if self-employed)
• 2 most recent pay stubs
• 2 most recent bank statements
• Sales contract
• 12 canceled rent checks (if renting).