Embrace Home Loans

(Music) Your home reflects your style, your personality, so when these newlyweds became tired of their outdated kitchen they started looking into refinancing their home Hi, so great to meet you! Seth, hi! Nice to meet you

Today they are meeting with Brad a loan officer from Embrace Home Loans to discuss their options I met with Seth and Lindsey, a nice couple who have owned their home for a couple years They wanted to talk about refinancing so they could get cash out to make those renovations I remember you telling me you put some money down originally so it I think we have some equity to work with Yes

So you can get some money out to do Yes, thank goodness So let me tell you about the process Okay At Embrace Home Loans they can help you buy the home of your dreams or make your current home all that you want it to be

What type of upgrades are you looking to do within the kitchen? We want maybe more contemporary because right now it's a little bit 90s Definitely the counters and countertops, appliances Makes sense, how long have been in the home? Two years Two years, okay yeah great! Since mortgages are all they do you can rest assured that they'll do it fast and they'll do it right because at Embrace the customer is their priority We've been around over 35 years and 46 states and D

C We know the ins and outs of mortgage lending and have found that our different approach, one that puts the customer first and absolutely every step of the process makes a difference We believe in this goal so strongly that each employee is empowered to do what they need to do to ensure we meet this goal This commitment is what attracts people to work at Embrace so you get happy people who genuinely care and want to work with you Brad showed Seth and Lindsey the simple online refinancing process and also cleared up a few misconceptions about home loans too

One misconception most people have is about down payments Everyone thinks you need 20 percent down to find affordable financing options Nope, not true There are so many loan products out there for every different need and we can find the one that works best for people just like Seth and Lindsey Refinancing is just one of the many solutions Embrace Home Loans offers

Another challenge a first-time or for that matter any time homebuyer might face in today's market is a lack of inventory Too many buyers not enough houses There are often multiple offers on a single property for sale Competition's fierce that's causing prices to go up Buyers who are not pre-approved can find themselves unable to get an offer submitted quickly enough and sadly they lose out on the home of their dreams

Which is why Embrace came up with a proof to move A proof to move is powerful Each buyer is just as good as a cash buyer and by changing the timing and tasks associated with the loan process we can get buyers an actual loan approval before they even start to look for a home Not a flimsy basic pre-approval, a full approval The loan application is fully underwritten we run their credit and complete the verification of their income and assets

We meet all program conditions up front we even provide them with a loan estimate which tells them exactly what they will pay Many believe that a basic pre-approval will do the trick when in fact in most cases a basic pre-approval is not that hard to come by at all Every lender will tell you that they offer one It's what's behind the pre-approval that matters to a realtor and a seller and that is where we distinguish ourselves This is how we put our customer first, we turned our mortgage process completely upside down and created our approved to move program

Want to see what Embrace Home Loans can do for you? We continue to challenge ourselves every day to innovate and achieve new levels of satisfaction that we can bring to the customer experience In Seth and Lindsey's case a cash out refinance will give them the added money and flexibility for their kitchen redesign Buying or refinancing a home should be an incredibly fulfilling experience, not something you dread Yes sometimes it's challenging but leave the challenges and the mortgage up to us Enjoy your experience of making a house a home! Go to Embrace Home Loans dot com forward-slash designing dash spaces Coming up Rhonda will show you an easy way to keep your gutters clean! (Music) You can visit these websites to learn more about the participants on this edition of Designing Spaces!

Source: Youtube

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