Do I have to pay any out-of-pocket expenses when refinancing?
Many of our borrowers choose to include the costs of the mortgage within their new loan. If you would rather pay the costs on your own at closing, you can choose to do that as well.
How long is the loan process?
We pride ourselves by closing most of our loans in less than 8 days.
If I had credit problems, can you still help me?
Absolutely, we are dedicated to helping borrowers with less than perfect credit. We have a wide range of loan programs available so that we can find a loan for almost any situation.
How do I know which bills to consolidate to save the most money?
A qualified Loan Officer will look at your personal situation and guide you through the mortgage process. He or she will help you determine the best plan for you and your family.
Can I borrower funds to make home improvements?
Of course, you can use the equity in your home to make home improvements or simply just get cash.
How does my credit score affect my ability to get a loan?
While good credit is important, your credit does not have to be perfect. All mortgage programs have criteria that must be satisfied. Contact a First Option Mortgage Loan Officer to learn about your options based on your personal situation.
I recently filed bankruptcy. Can I qualify for a loan?
Yes, we have programs that can help those who have filed bankruptcy.
I recently purchased my home.
Yes, you can refinance. Some lenders require you to be in your home for a period of time before you can access your equity. The best way to find out your options is for you to call an experience First Option Mortgage Loan Officer.
Can we finance a manufactured/mobile home?
Yes, we offer programs on double-wides.