Home Loans
Home Loans
Your trusted local partner for home financing in Sarasota and Bradenton. With rates coming down and over 20 years of experience, Pioneer Mortgage makes it simple to purchase or refinance your home, vacation property, or rental. We guide you through the process with clarity, so you get the right loan that truly fits your needs.
Your local resource for financing your home in the Sarasota and Bradenton area helping you find financing that works for you. Interest reates are finally coming down! We like low rates – we know you like low rates! With over 20 years of experience, at Pioneer Mortgage Funding, we look forward to helping you with your Sarasota, Bradenton, and surrounding area home loan. We can help you choose the right type of mortgage financing for your situation whether it is to purchase or refinance your primary residence, or to purchase or refinance your vacation home or rental property.
Let’s face it, the process of getting financing for your home can be confusing. Let us help you make the process much easier by offering our years of experience to help guide you through it. People often find that after getting their mortgage loan, they made mistakes along the way and did not end up with a loan that made the most sense for them. With our help, you can be confident that you will get a home loan that suits your situation.
Here are a few Tips for Successful Mortgage Financing.
Be Prepared for the Process
Whether you’re getting a loan for a purchase or a refinance, the process does take time and follows a schedule so it gets done in as short a period of time as possible. Let us help you be prepared by explaining to you how the process works so that you understand it and avoid unnecessary stress.
Be Prepared for the Process
A mortgage prequalification or mortgage pre-approval to purchase a home loan is vital to the loan process because it allows you to obtain an estimate of your borrowing power and allows you to go to a realtor to begin house hunting! We highly suggest that you not skip this free step. With a written pre-approval for a home mortgage, you won’t waste time looking at homes you can’t afford. Rather, you can focus your time and energy shopping for YOUR ideal home.
Know Your Finances
Determine how much you can afford to spend. While you may qualify for one amount, it might be too high for your actual budget. Set a monthly dollar amount that you feel comfortable committing to. Don’t forget to figure in additional costs, such as homeowners’ insurance and real estate taxes.
Check your Credit Report
While any lender can quickly run your credit report, you should ask for a copy of it. Then, you’ll know exactly what is on the report and can address any dubious or inaccurate items. Be sure to clear up any financial problems that you can.
Shop Around for the best interest rate
Also, look for the best deal on the costs of your home mortgage, considering topics, such as:
- Origination fees
- Broker fees
- Credit report fees
- Loan application fees
- List Item
Apply for a Loan
Gather all the documents that may be required to verify your loan application:
- Job information
- W-2’s, pay-stubs and tax returns
- Bank statements
Also, it may be a good idea to lock in your interest rate on your home mortgage. Mortage interest rates change daily. Locking in the mortgage rate on your home loan guarantees you a certain interest rate and terms for a specified period of time, typically 30 to 45 days.
As a local business owner in Sarasota and Bradenton, FL, our mission is to offer you personal, friendly service. Let us help you find a mortgage with a low interest rate, a free pre-approval, a free loan application, NO mortgage broker fees, NO points and LOW closing costs. We are your local mortgage company for home loans in Sarasota, Bradenton, and the surrounding area. We will help you find financing that is best suited for you using sound, practical, and professional advice based on years of experience.