With a mortgage lender, you must fit the ‘mold.’ If you don’t fit into their loan programs perfectly, they decline your application and you’re back to square one. If you want another chance, you have to go through the complete application process all over again with another lender or bank.

When you use a mortgage broker, you complete the application once but have options with hundreds of lenders. At IMEC, we sit down and listen to your needs. Do you want an adjustable-rate loan? Do you want a 30 year or a 20-year mortgage? Would you prefer a loan with interest-only payments or low-down payment requirements? You can check out our First-time homebuyer Step by Step Loan Process to prepare yourself for a mortgage, or we can sit down with you and explain everything line by line.

Your dedicated loan officer at IMEC will ask distinctive questions so we can understand your situation. With the added information the correct path can be formulated that would fit you into a loan that not only fits your financial situation now but, in the future, too.

Here is an example; if something event (i.e., baby) occurs and the family income goes from a 2 income down to a 1 income, focus will be put on a program that suits your lower income rather than over-qualifying you and causing financial strain in the future.

Even if you have perfect credit, a 20% down payment, and only a few debts, a mortgage lender has limited options that may not suit your financial needs.

Work with a mortgage broker, IMEC, who listens to your needs and is available when you need them.  IMEC offers the services you need, just check out the reviews