The Blog

Learn About Lending-After the Application

Categories: Announcements, Blog, SeaGate Homes, Uncategorized | Posted: August 27, 2018

One of preferred lender’s, Cheri Campbell with SeaCoast Bank, offers these tips:

After you’ve applied for your new home mortgage, keep the following in mind:

  • Do not increase your debt by making any major purchases such as a car, furniture, or electronics.
  • Do not move funds between accounts.
  • AVOID MAKING LARGE DEPOSITS
  • AVOID CREDIT INQUIRIES
  • Save all documentation on any deposits into your accounts.
  • Keep balances on all revolving accounts as low as possible.
  • Be sure payments on all current accounts are paid on time!
  • DO NOT CO-SIGN ON LOAN FOR OTHERS

Contact SeaCoast Bank or any of our preferred lenders for more insight.

– Special Thanks to Guest Contributor Cheri Campbell, VP Mortgage Loan Originator, NMLS #414529
   Cheri.Campbell@SeacoastBank.com | C: 386.547.0964

Learn about Lending

Categories: Announcements, Blog, News, SeaGate Homes, Uncategorized | Posted: August 23, 2018

Finding a mortgage lender involves more than just getting a good interest rate; you want to work with the best mortgage company for you, staffed by professionals who will guide you through the process. SeaGate Homes has partnered with a variety of lenders to make your decision a little easier.
Each lender on our list was selected for their ability to offer loan programs specifically tailored to each buyer’s needs and because they are familiar with our building processes and are dedicated to the satisfaction of our buyers.

Here are some tips to know before you decide:
  • Know Your Credit Information – Know your credit score and make sure your information is correct. You can get your files free once a year at https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report
  • Gather Key Documents – Make sure you have documentation of your income, employment, IRS filings for at least two years, bank accounts, 401(K) funds and any other assets you may have. It is also helpful to have a rough estimate of your current household expenses.
  • Determine What You Can Afford – You can get a good idea about how much you can afford in advance but using a mortgage calculator like this one https://www.zillow.com/mortgage-calculator/ or by contacting any of our preferred lenders

End Loans (VA, Conventional, FHA)

Construction to Permanent and End Loans

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