Inspire Home Loans Flipbook
Inspire Home Loans ® YOUR NEW HOME AWA I TS
WHY WOR K W I TH Inspire Home Loans ® . As the affiliate lender of Century Communities, we’re here to guide you along every step of the journey to homeownership, giving you access to a team of knowledgeable mortgage experts ready to help you buy your new home with confidence.
CUS TOME R - C ENT E R ED AP P ROACH Our customer-centered approach to home financing takes into account who you are, what you aspire to, and which mortgage programs will suit your individual needs.
ACC E S S I B L E AND KNOWL EDGE AB L E Buying a home is a big investment, and we know the mortgage process can seem intimidating. At Inspire Home Loans ® , our knowledgeable mortgage experts are committed to helping you assess the benefits of various mortgage programs, answering any questions you may have during the loan process, and ultimately getting you into your new dream home. COMM I T T ED TO YOUR DR E AM We are committed to fulfilling your dream of homeownership! Whether you’re buying your first home or your fifth home, the team at Inspire Home Loans ® is here to support you with the right attitude, tools, and resources to get you into your new home. NEW CONS T RUC T I ON S P E C I A L I S T Get ahead of the game with new home expertise that other lenders can’t offer. We know new construction timelines and deliverables, and our team of mortgage experts will help you get your financing in place so you can get into your new home .
Convenient Affiliate Services
ONE STOP SHOP Inspire Home Loans ® and IHL Home Insurance Agency are all members of the Century Communities Group of Companies. We are familiar with the new home market and the homes offered for sale by Century Communities. Financing and insurance, are all under the same roof, so you’ll enjoy a more seamless homebuying experience that allows you to focus on the excitement of buying your dream home.
Protecting Your Dream Home IHL Home Insurance Agency specializes in the new home market, offering competitive rates and outstanding customer service .
THE ROAD MAP TO Your Dream Home
PRE-QUALIFICATION Fill out our online prequal form. We’ll then review your purchasing power, including whether you’d benefit from free credit resources through our value added program, The Ascent Club.
CONDITIONAL LOAN APPROVAL Once we have reviewed and conditionally approved your loan, your Loan Officer will call you with the good news and walk you through next steps.
COMPLETING LOAN APPLICATION Once you select a home and sign a purchase contract, your Loan Officer will work with you to complete your loan application and gather financial documents.
GATHERING OF INFORMATION
Prior to final loan approval, your Loan Officer will continue to work with you to update your financial information, lock your interest rate, and prepare you for closing.
SIGNING & CLOSING
FINAL LOAN APPROVAL Once we have signed off on your loan and no additional documentation are required, your loan is final approved. Congratulations!
After signing loan documents and funding your loan, it’s time to celebrate because you’re officially the owner of a new home!
P R EQUA L I F I CAT I ON G I V E S YOU A Homebuying Advantage You might have heard it’s important to get prequalified at the beginning of the homebuying process- but what does that really mean, and why is it so important? The answer is that it gives you a better understanding of your budget and what homes you are likely to qualify for. SHOWING THAT YOU’RE A SERIOUS BUYER Prequalification is a great way to understand your price range and how much money you can borrow for your loan. Just as important, being able to present a prequalification letter shows that you’re a qualified buyer and that can make all the difference when trying to land your dream home in a hot market. OUT - COMPETING OTHER BUYERS With limited housing inventory, there are many more active buyers in the market than there are homes available and that means you’re up against stiff competition. According to the National Association of Realtors (NAR) each home on the market receives an average of 5.1 offers. As a result, bidding wars are more and more common. Obtaining your prequalification letter sets you apart as a serious buyer.
Optimize Your Credit Potential
The Ascent Club offers aspiring Century Communities and Century Complete homebuyers exclusive access to a team of skilled Credit Specialists who can help you understand your financing options, conquer credit myths, maximize your financing power, and lay out a roadmap for attaining your dream home. BENEFITS OF THE ASCENT CLUB: • Complimentary financing analysis • New Homebuyers Workshops that empower you with expert insights on credit and homebuying • Credit Specialist Resources to help you understand how to qualify for the loan that best suits your personal circumstances, improve your credit score, save for a down payment and more!
An Inspire Home Loans ® Value -Added Service
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