Why Classic Home Mortgage?

At Classic Home Mortgage, we fine-tune our process to accommodate the individual needs of our borrowers. We go above and beyond to focus on what’s most important to you.

Need the best mortgage rate?

We are our own lender and a broker, so there is no need for you to shop. You’re assured of the best rate because we compare rates from the different lenders for you.

Have needs that are specific to a certain loan program?

If you’re short on cash for a down payment, take advantage of government programs like FHA, VA, or USDA. These programs allow gift funds and offer low down payment options as well as down payment assistance.

The USDA program offers an opportunity for lower-income borrowers to qualify for a mortgage.

Veterans can take advantage of the VA loan program: besides being able to borrow more money with no down payment, you can be approved while carrying more debt, and there is no monthly mortgage insurance added to your payments.

If you need to qualify and/or close faster, a conventional loan may be the way to go. The ability to manually underwrite a conventional loan means qualification is more flexible. There are fewer steps to closing, which ensures faster funding – also a plus for the seller of your new home.

If you need a higher loan amount than conventional conforming loans allow, take advantage of jumbo loan programs that many times offer interest rate discounts.

In need of credit repair?

We’ve helped many borrowers improve their credit scores in order to qualify for a mortgage loan. We can run unlimited in-house “what-if” scenarios based on your actual credit report and immediately see the effect on your score of each pay-down, account opening, or credit increase. That way we can determine the most effective credit repair plan to get you pre-approved more quickly.

Whatever your unique situation, we at Classic Home Mortgage have the ability and the desire to help. We have decades of combined experience in mortgage origination and processing, and the individual histories of our team members translates into a stellar, customer-centric experience. As a family-run organization, we will truly take care of you as one of our own.

At Classic Home Mortgage, you’re never lost in the process. We’re here to guide you through one of the most important steps in realizing your home dreams.