Home Loans

Your local resource for Sarasota mortgages, Bradenton mortgages; a locally owned mortgage company helping you find low mortgage rates today. Current mortgage rates are low! 30 year mortgage rates are among the lowest in history – we like low rates – we know you like low rates! With over 10 years of experience, at Pioneer Mortgage Funding, we look forward to helping you with your Sarasota mortgage, Bradenton mortgage or your mortgage for property in the surrounding area. We can help you choose the right type of mortgage financing for your situation whether you need a loan to purchase your primary home, a loan to refinance your primary home, or a loan to purchase or refinance your vacation home or rental property. We want to be your local resource for your Sarasota mortgage, your Bradenton mortgage and for your mortgage anywhere in the surrounding areas.

Let’s face it, the process of financing a 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. Unfortunately, too many people embark on this task without the correct information and preparation. In this case, 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, however, and some thought and preparation, you can be confident that you will get exactly the type of mortgage financing you need that is perfect for your situation.

Here are a few Tips for Successful Mortgage Financing.

Be Prepared for the Process

Whether you’re trying to secure a mortgage loan for a purchase or a refinance, it benefits you to follow a orderly schedule so that the loan is accomplished in as short a period of time as possible. Let us help you be prepared for the process by allowing us to explain how the process works so that you can understand the system and make educated decisions.

Get Pre-approved

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

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.

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 that offers low current mortgage rates, 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 Sarasota mortgages, Bradenton mortgages, and mortgages for the surrounding areas. We will help you find a home mortgage loan that is best for you using sound, professional advice based on years of experience. Your local resource for Sarasota mortgages, Bradenton mortgages and mortgages in surrounding areas.