The team that “takes you home.”

In addition to working with your Real Estate Agent, University Mortgage helps to coordinate the activities and approvals of a diverse group of professionals who provide services in support of your home purchase.

Here are all your home-purchase team members:

The real estate agent is an individual who is licensed to negotiate and arrange your real estate sale. Your agent is the “quarterback” of your home buying team of professionals. They facilitate many of the various transactions, meetings and activities involved in the process of purchasing your house. Real estate agents generally are licensed to operate under the supervision of a real estate broker.

University Mortgage recognizes the critical role played by the real estate agent and works closely with them, directing and coordinating the diverse group of professionals who provide their services in support of your home purchase.

The Mortgage Broker helps borrowers select the loan that best meets their needs and shops for the best deal among the lenders offering that type of loan.

University Mortgage constantly monitors the mortgage loan marketplace identifying the most highly regarded lenders, the best programs and the most attractive rates to provide you with a solution customized to your financial needs.

Your University Mortgage underwriter is a person authorized to work with mortgage lenders, streamlining the loan approval process to assess if you are eligible for the loan amount you apply for.

The underwriter valuates your entire loan package, including you employment history, credit report, appraisal and financial documents to assess the loan risk and approve the loan request.

The mortgage lender is the financial institution, generally a bank or finance company, that directly provides home loan or mortgage funds to the home buyer. University Mortgage provides the professional advice and guidance to enable you to pick the right home mortgage lender.

Once this selection has been made we remain in constant contact with the lender ensuring that the necessary forms and documents are executed in a timely manner and transmitted between you and your mortgage lender.

A lawyer who specializes in real estate transactions, your real estate attorney provides the legal services related to the purchase of your home. We work closely with your real estate attorney at all critical stages of the purchase process.

As the closing date approaches we facilitate, transmit and confirm your lawyer’s receipt of all required legal documents related to your mortgage to ensure a low-stress completion of your home purchase.

Your insurance agent is licensed by the state to sell insurance. They provide the services necessary to help you acquire the necessary homeowners insurance policy from a qualified insurance carrier.

An often-overlooked, but essential part of the team, your insurance agent should join the team early in the purchase cycle.

We’ll work with them to identify the many facets of your home’s particular financial aspects which can determine the amount and type of insurance required by the terms of the purchase, lender requirements and state and local mandates.

And, we’ll coordinate our activities with them starting early in the buying process, providing all the financial information necessary to help you acquire the right insurance policy and coverage.

Ready to get started? Begin the application process or talk to us about how we can minimize your home buying stress.