WATCH: Embrace Home Loan’s Stephen Thaggard Looks Ahead at 2019 Forecast in Brevard for Home Loans
By Stephen Thaggard, Sales Manager of Embrace Home Loans // December 13, 2018
Finding the Lender That’s Right For You
SPACE COAST DAILY TV: Stephen Thaggard of Embrace Home Loans spoke with Alan Zlotorzynski to recap the year and look ahead at the 2019 forecast in Brevard County for home loans. The two also discuss the growth on the Space Coast and what it means to you.
BREVARD COUNTY • VIERA, FLORIDA – The local real estate market is hot, and things are getting pretty competitive. Finding the perfect home is only part of the battle.
But with the right lender, you can help clear some of the biggest hurdles of homeownership – qualifying for a mortgage, meeting contingencies, and closing deadlines. Here are three key things to look for when finding the lender that’s right for you.
LOOK FOR EXPERTISE
Look for a direct lender with a long history of financial stability, and a Loan Officer with extensive experience – two tall orders that Embrace Home Loans can fill.
Since its inception in 1983, Embrace has helped countless customers find the mortgage product that’s right for them. And many of Embrace’s Loan Officers have been in the lending industry for 25 years or more, so they have extensive knowledge of first-time homebuyer programs, FHA, 203k, VA, Conventional, and Jumbo financing.
LOOK FOR IN-HOUSE CAPABILITIES
Embrace’s in-house underwriting can review loans within 24-48 hours, and their Loan Officers offer local processing. That means you can reasonably expect a loan commitment in seven days or less.
And with Embrace’s automated updates, you’ll be informed every step of the way about your loan’s status. They’re also authorized to underwrite many of their Jumbo products, so closing in 30 days or less is still part of the culture.
LOOK FOR ARRAY OF PRODUCTS
There are many federal, state, and local programs available that can put homeownership within reach. Make sure you have access to all of them.
With Embrace’s portfolio of products, you can choose the ideal mortgage product based on your individual financial situation. Embrace also has exclusive programs that make the process easier.
For instance, with Embrace’s revolutionary Approved to Move™ program, you get a fully underwritten mortgage approval before you even find your dream house. This is as close as you can get to being a cash buyer, which is a huge plus in such a competitive market.
It can give you greater negotiation power – especially over buyers who are only pre-qualified or pre-approved – and it can help you close faster.
Plus, Embrace’s Guaranteed On-Time Closing program ensures that you won’t miss your closing. If you do, Embrace will pay you up to $2,500. This spring, experience the Embrace difference.
Embrace Home Loans, Inc. NMLS ID #2184 is licensed in 46 states plus DC.
ABOUT THE AUTHOR
Stephen Thaggard is the Sales Manager of Embrace Home Loans in the Viera, Florida office. He has worked in the mortgage industry for the last 21 years and focuses on assisting builders, Realtors and homebuyers with Florida mortgage options and solutions. Thaggard, a member of the Embrace Home Loan President’s Club since 2014, is also a member of FAMP – Florida Association of Mortgage Professionals and MBA – Mortgage Bankers Association.
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