Finance Your New Home
We’ve partnered with third party mortgage companies to assist you in your financing needs. Both your New Home Consultant and Loan Officer will answer all your questions and guide you through the financing process.
The Financing Process
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NMLS# 1628559
Richard Brandt & Beth BrandtSenior Loan Officer
Northpointe Bank
The Brandt Lending Team at Northpointe Bank has over 35 years of experience and is a nationally recognized top producer in our industry. Our process is simple. We learn your goals, gather the various pieces to you financial puzzle and figure out the best way to put it all together. Richard Brandt and Beth Brandt take this experience, knowledge and dedication to ensure our clients get the right home for the right loan.
Our Programs
- Conventional Loans
- Jumbo Loans
- All in One
- Portfolio Loans: Including Bank Statement Options, Professional & Doctor Loans, Bridge Loans
- And More!
Premier Mortgage Associates
When you choose my team as your lender, you can be confident that we’ll provide a seamless experience from start to close. We close most loans in less than 25 days – sometimes in as few as 10 business days. Plus, we process, underwrite and close most loans in-house, so that are no hidden fees. When you work with us, you’ll receive respect, information and patient, caring service that makes for a smooth and stress-free closing.
Our Programs
- Conventional Loans
- Jumbo Loans
- VA Loans
- Non-QM: Bank Statements, Debt Service Coverage Ratio, Foreign National
- And More!
Guaranteed Rate Affinity
Guaranteed Rate Affinity is a partnership created between Anywhere Real Estate and Guaranteed Rate that provides the best mortgage experience possible, featuring incredibly low rates, fantastic customer service and a fast, simple process. We are a top 10 lender in the United States with a 5-star rating on Nerd Wallet and 100% customer satisfaction.
Our Programs
- Conventional Loans – Competitive Rates
- Non QM Loans – No Ratio, Bank Statement, Foreign Nationals
- VA Loans – No Lender Fees
- Reverse Mortgages
- And More!
Academy Mortgage Corporation
Since 1988 Academy Mortgage has provided exceptional service and the best solutions and tools to help individuals and families achieve successful homeownership. Our company is recognized and respected nationwide for our unwavering commitment to responsible lending, especially in today’s rapidly changing economy. We are one of the top independent purchase lenders in the country as ranked in the 2018 CoreLogic Marketrac Report (published January 2019)
Our Programs
- Conventional
- Jumbo
- Bank Statement Loans for Self-Employed and High Net Worth Borrowers
- Debt Service Coverage Ratio Loans for Investment Purchases
- Foreign National Loans
- And More!
the loan process
- Initial Underwriting
To facilitate loan underwriting, it is important that you submit all requested documents to the Mortgage Company. In underwriting, your income, assets and credit will be verified. This is the perfect time to speak with the Mortgage Company about different financing products such as rate locks. - Loan Approval
You must receive loan approval within 45 days of signing the Purchase Agreement. You may receive a “conditional” loan approval that has specific requirements such as selling your current home or paying off debt. These conditions will need to be satisfied prior to the closing of your new home. - Processing
A Loan Processor will review the entire loan file and sends all pertinent information to an underwriter for approval. The preliminary title report and appraisal are ordered and verification of available funds and your employment takes place. - Final Underwriting
Your Mortgage Company will review your credit and income to ensure that there are no changes in your financial condition since the initial loan approval. Underwriting will confirm that any conditions to your loan have been completely satisficed. - Final Loan Approval
During this final step, your Mortgage Company will deliver the final loan documents to the Closing Agent for your signature at the closing table.
Disclaimer:
This is not an offer to lend. Rates, terms, and availability of programs are subject to change without notice You are not required to use Akel Homes’ Preferred Lender to purchase a home, or finance the purchase thereof, from Akel Homes. There are other mortgage companies that provide similar services and you are free to shop around to obtain the best service/mortgage rates available.
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Manley Family
Directly From
Our Homeowners“We didn't want to live in a cookie cutter community where every house is the same. We like the diversity that Akel Homes' Villamar provided. A new home in this community was right for us.”
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Lebron Family
Directly From
Our Homeowners“We moved from New York to Florida so our family could have a better life. Akel Homes took what was important to us and made it important to them.”
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Smolen Family
Directly From
Our Homeowners“Looking at past homes there was always something missing. The homes at Villamar had everything we wanted and was exactly what we were looking for. There is something for everyone here at Akel Homes' Villamar.”
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Siperstein Family
Directly From
Our Homeowners“There are may reasons why we chose Villamar. Location, floor plan, building quality, site plan, amenities, value for the price and top schools. We fell in love with the community and the staff certainly helped.”
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Zimin Family
Directly From
Our Homeowners“What a great experience with the whole team and management. Our first time buying a house for the construction. Great team of Akel Homes company, definitely showed us a very professional approach and work. Very satisfied with our new home !! Recommend everyone!!!”
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Rego Family
Directly From
Our Homeowners“The decor selection process was exciting. We put a fair amount of upgrades into the interior, and left ourselves enough things to do after move-in to make this home a project we will enjoy working on for years to come. We are very happy with the way it turned out, and we know that with our custom touches we will be living in our dream home.”
