Often, financial institutions treat mortgages as no more than a transaction, but when you are dealing with something as important as your home, you need to partner with a company that prioritizes your goals for each dimension of your wealth. Whether you are buying a new house, refinancing, purchasing an investment property, or taking out equity for a new project, our mortgage consulting experts are here to make your mortgage lending experience as streamlined and pleasant as possible.
Our mortgage consulting experts sit down with you to learn about your objectives and your entire financial picture. With this understanding, we tailor our mortgage services to design a loan program that meets your particular needs. We offer adjustable- and fixed-rate mortgage options for new purchases or refinances with:
Your Mortgage Consulting Options
Jumbo mortgages are home loans most commonly designed for amounts over $417,000. While many mortgage consulting companies claim they can accommodate these loan amounts, it is important to work with a financial partner who knows how to work with complex financial pictures.
For those individuals and families who are buying or refinancing their home away from home, our mortgage consulting team can deliver competitive second-home mortgages options.
Investment properties have long been a popular method of getting secondary income or building a successful business. Our investment property mortgage options can be designed to help you finance one investment property or up to ten, 1-4 family financed properties.
As a first-time home buyer, it can be difficult to understand all of the in’s and out’s of the mortgage planning process. Our mortgage services team can help you with a first-time home buyer mortgage.
Conforming (also known as conventional) mortgages are typically limited to $417,000 for a single-family home. Our teams are happy to assist you in identifying the right mortgage option for your specific goals.
Interest only mortgages allow you to pay only the interest on your mortgage for a period of time, with your remaining interest and principal payments modified to an adjustable rate at the end of the term. These mortgages can be good fits for many individuals but they are not right for everyone. Talk to our teams today to see if interest only mortgages would support your financial needs.
Mortgage Planning with First Western Trust
After our mortgage consulting team has identified the right solutions for your needs, we are here to assist you throughout each step of the mortgage planning process.
We discuss all of the key documents that you will need and outline a timeline to ensure that all contractual deadlines are met in a timely manner.
Throughout the process, our mortgage services team keeps you informed of any milestone events so you are up-to-date each step of the way. When it’s time to close, we provide all closing figures at least 72 hours before the meeting, so that you are well prepared for your closing. This is all part of our commitment to delivering superior communication and client service.
Mortgage Planning Do’s and Don’ts
Ask your real estate agent about the neighborhood of your potential new home, including nearby schools, shopping, home owners associations, property taxes, and more
Ensure that any issues or defects determined by the home inspector are corrected by the seller prior to purchasing your home25
Allow yourself time to go to the bank prior to the mortgage loan closing
Bring your closing funds in a bank wire or certified check form
Bring a valid photo ID with you to your mortgage loan closing
• Let anyone talk you into purchasing a home outside of your budget
• Incur any new debt
• Increase existing debt
• Change your employment
• Use funds you have saved for your down payment
Mortgage Service Experts
Our mortgage services team is made up of seasoned professionals in lending, underwriting, processing, and compliance. With an average of more than 20 years providing mortgage services, our operations leadership has the experience to deliver a smooth, efficient underwriting process while our mortgage loan originators deliver a tailored client experience. With our expertise and mortgage options we have a solution for your lending needs. First Western Trust's commitment to your plans and experience make us a great partner to start your mortgage planning.
If you are interested in learning more about our mortgage services and our mortgage consulting team, we encourage you to visit our website at: www.myfwmortgage.com.
When was the last time you reviewed your mortgage loan program? Interest rates are on the rise, so now is a great time to review your mortgage options. To have one of our mortgage consulting experts contact you, submit the form below or call our main line at 303.531.8100.