Your Local Lender
Experienced. Knowledgeable. Quality.
Voted #1 Mortgage Lender
10+
Years in Business
$1 Billion
Mortgages Closed
10,000
Families Served
WHY CHOOSE US
We Have Offer To You
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Delivering A Great Customer Experience
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Refinancing Your Home No Doubt About Anything
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Have A Superior Power To Unlock The Today’s Rate
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Without A Doubt To Have A Apply For Loan Offer
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Consideration Have Been Divided Get Refinance Advisor
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A Ethical Solution For Future Buying & Selling Home
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Mortgage Pre-Approval
House Shopping
Loan Application
Mortgage Programs
Here at Mortgage 1, our clients are never just a file number. We make our process specific to each and every client, to make sure they receive the best experience. Unlike some lenders, with Mortgage 1, you have one loan officer throughout the whole process. Meaning, you know exactly who to contact when you have a question. Our team is here to answer your calls, texts, and emails day or night. When you choose Mortgage 1, you are choosing to make the mortgage process as easy as it can be.
Purchase New House
Owning a home is big responsibility and not just financially. When you decide to pursue homeownership, you must know all the risks and responsibilities that come along with it. Here are just some of the responsibilities of being a homeowner:
Making your mortgage payments on time
Being ready for property tax increase
Saving funds for when things go wrong such as, appliances breaking, pipes bursting, insurance claims
Being a good neighbor
Refinance
Before refinancing, it’s important to understand your options and what will work best for you. Are you looking to lower your monthly payment or wanting to cash out on your equity?
Lower Your Payment
Cash Out Your Equity
Shorten Your Term
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Here Is Our Roadmap
Our team of experienced Loan Officers are here to guide you along the way! We utilize technology for you to easily track the progress and current status of your loan!
You’re In Right Place!
You Can See The Map
OUR TEAM
Our Staff Profiles
Frequently Asked Questions
How do I know how much I can afford?
How much you qualify for is based off several factors including your income, assets, and debt. While your loan officer is determining your pre-approval limit, they will look at how much you can bring to closing and your DTI (Debt-to-Income) ratio. Your DTI is determined by subtracting your monthly debt from your total gross income. Monthly debt is generally going to be your minimum monthly payments to creditors, such as credit cards, auto loans, or current mortgage payments. When taking into account your income, your loan officer will have to follow guidelines. Just because you are receiving overtime or bonuses doesn’t mean they can be counted towards your monthly income.
How long does it take to close?
Closing times are always case by case and are influenced by many factors such as:
The loan program
Time it takes to receive the home inspection decision
Time it takes for appraisal to be received
Time to receive documentation from the borrower, agents, title company
Time for underwriting and processing
Generally, the rule of thumb for Conventional, FHA, VA or USDA loans is 30 days from the date of the purchase agreement. For MSHDA loans, it is generally 45 days. For Non-QM loans, closing times should be discussed with your loan officer.
What is the difference between a pre-approval and pre-qualification?
Unlike a pre-approval where your income, assets, and credit is verified, a pre-qualification is based off what you say. A pre-qualification helps give you an idea of what you could potentially be pre-approved for. This doesn’t require your credit being pulled or submitting any documentation. Although, realtors or sellers will not accept this document like they would a pre-approval.
What documentation will I need to provide?
Documentation needed does vary case-by-case and is based off of many factors. There is standard documentation that is need with each loan which can be found here:
When is the right time to apply for a mortgage?
Generally, 6 months before you are wanting to purchase a home. This gives you and your loan officer time to make sure you are in the best shape to purchase a home when the time comes. This also gives you time to address any issues that may arise with your employment, credit, etc.
What our customers say about us!
Tim Siwicki NMLS# 185689 -- Mortgage 1 NMLS# 129386 Copyright 2024 . All rights reserved
Copyright © 2024 Mortgage 1, Orion For complete licensing information, Please go to NMLS.org. | Company NMLS #129386. Mortgage 1 ("the Company") maintains policies and procedures designed to protect the integrity and security of consumer and customer information. Mortgage 1 Inc.is a national mortgage servicer and accepts payments from consumers. We are required to be licensed as a debt collection company. NMLS #129386. Thank you for considering Mortgage 1 for your mortgage financing needs. The Mortgage 1 Inc. website uses cookies, tracking pixels and related technologies that collects personal information. Cookies are small data files that are served by our platform and stored on your device. Our site uses cookies dropped by us for a variety of purposes including to operate and personalize the website. Also, cookies may also be used to track how you use the site to target ads to you on other websites.