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North Point Home Loans
At North Point Home Loans, we combine experience with integrity and reliability with quality to get you the best options for your home loan. Whether you are looking to buy your first home or you are moving onto your forever home, we are here to help.
You can count on us to help you get the best loan option at the best interest rate possible. We come up with creative paths and strategies to make sure you feel happy every day when you walk into your home sweet home.
While you might have options when it comes to your home loan, there is no one that can beat us when it comes to having the best experience possible. Here is what you can expect from us.
- Vast Knowledge & Experience In the Home Broker Space
- Clear & Reliable Communication Working For You
- Proven Track Record of Happy Clients
- Excellent Negotiation Skills on Your Behalf
Professional. Courteous. Reliable.
Did you know that more than 40% of people describe buying their first home as one of the most stressful events in their life? That’s where we come in!
North Point Home Loans is here to eliminate that stress and help you enjoy your home buying experience. By being accessible and responsive whenever you need us, we do our best to get you the answers you need when you need them.
Stress Less. Live More.
For many years, potential home buyers have continually turned to us to guide them through the home buying journey. By understanding the market, trends and interest rates, North Point Home Loans is here to make sure you get the best option possible to both help you save money and get the home of your dreams.
We Are North Point Home Loans
At North Point Home Loans, we have been helping customers to have the best experience possible when buying or refinancing their homes.
It all started when we realized just how hard it can be to find someone reliable that knows how to navigate the difficult waters of home buying. We knew that we had to create something different and better.
Our goal is to give you the best experience possible by being someone that you can rely on.
You should feel like a priority and we want you to know that your business is important to our business. We make you a priority by focusing on what we think are the most important three A’s.
Accessible
Nothing is worse than trying to get an answer from someone who never answers their phone and never gets back to you. Especially with something like a deadline or your dream home on the line, being responsive is needed not wanted.
Accountable
We know that you might be putting your savings on the line for this new home. That’s why you need someone accountable who actually does what they say they’re going to do. We commit to being transparent to you and getting you the information you need.
Authentic
When we say that we love taking care of our customers, you’ll know that we’re telling the truth because of how we make you feel. You want to feel heard and deal with someone who has integrity. We do our best to get the best outcome for you through trust and loyalty.
See Our 5-Star Google Rating
Always willing to answer questions and help us better understand what steps we needed to take and what everything meant.
I can’t not say enough good. Ten stars ⭐️ all the way! We are a self employed and a part time receptionist and own another house that had not been put on the market yet. He was great about staying in contact fantastic when working with my realtor. He was able to find answers when we seemed stuck and seemed like other leaders were unable to help or wouldn’t return calls...
He is a consummate professional, extremely knowledgeable, and willing to answer ALL the questions. As a first-time homebuyer, he patiently walked me through the entire process, answered (too many) weekend phone calls/texts, and was able to get me the best possible rate on my mortgage...
Clayton was absolutely amazing. He walked us through every step of the process. He was extremely helpful and personable. I can say any future purchase we make, we will go through him.
Your Mortgage Journey Starts With North Point Home Loans
Buying a house is one of the biggest milestones in a person’s life—a journey that can be both exciting and emotional. Choosing the correct loan broker can either make or break this experience. That’s why we want to walk you through the mortgage journey and make sure you are prepared in every way.
It usually begins with dreaming about the perfect space and researching neighborhoods. The correct way to actually begin is by getting pre approved by a loan officer. That way you know exactly what you can afford. Then comes the process of house hunting stage which is what most people look forward to.
Once the right home is found, the real work begins for us. This includes completing the loan process and helping you take that final stage of closing on your new home. It may seem overwhelming at times, with lots of paperwork, deadlines, and decisions, but we make it an easy and hassle-free experience. It’s all worth it in the end when you finally get the keys and walk into a space that’s truly your own.
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Pre Approval & Shopping
Before getting too excited about finding a home, let’s first get you pre approved. After that’s done comes the fun part of shopping around and finding a home that suits your needs.
Apply For a Mortgage
Come to us to help get the mortgage process started. We make sure you get the best results possible at the best interest rate possible so you don’t have to worry about wasting money.
Complete Loan Processes
This step you can leave to us to get taken care of for you. We will get you all the documents you need in an easy to comprehend way ensuring that we are transparent and that you are happy.
Close on Your Home
The only step left is just closing on the home. We know that there’s a lot to read and go through, so we try to make it easy and hassle free so that you can go on to enjoy your home.
Refinance and Save Money
Maybe you’re not looking for a home loan option. Maybe you are already in a home that you love, but that high interest rate has followed you around from when you first bought your home. Are you ready to see what we can do for you. Find out more about refinancing options through North Point Home Loans today.
Looking To Improve Your Credit
Personal Credit Assessment
The journey begins with a thorough review of your credit reports from the past. This step is crucial to give us both a full picture of your current credit standing. We’ll use it to identify anything that’s helping or hurting your score and figure out the next steps.
Negative Credit Disputes
Next we’ll take a look at any bad charges or inconsistencies such as incorrect payments, accounts that don’t belong to you, or incorrect balances. We’ll then submit formal disputes to the necessary credit bureaus and or creditors.
Credit Building Tools
Improving your credit isn’t just about fixing the bad—it’s also about adding good. We’ll take a look at some of the tools available to you that you can use to continually watch and improve your credit. And lastly, we’ll create a credit improvement plan based on your needs.
Credit Education Resources
A major part of the credit repair journey is education. Together, we’ll help you understand how credit works, how scores are calculated, and how to budget and manage your money more effectively. The goal is long-term stability, not just a temporary fix.
Home Loan FAQs
This varies depending upon loan program, loan to value, and credit score. To get the most accurate information its best to get prequalified or preapproved.
This is based on a few factors such as debt to income ratio and loan program, to get the most accurate information its best to get prequalified or preapproved.
This depends on the lenders qualifications and loan program. Most lenders require a score of 620 and above to be approved, but there are loan programs and lenders that will do loans in some cases for credit scores as low as 580
Down payment amounts vary by loan programs, schedule an appointment with our mortgage loan officer to learn about the different programs you may qualify for.
Conventional, FHA, VA, USDA, Reverse Mortgages, and Non-QM such as DSCR and Bank Statement loans.
Prequalified you have filled out all the necessary information on an application for a lender see what loan programs are available you may qualify for.
Preapproved you provided all the necessary documentation to verify the information on your application for a lender to know what programs you qualify for.
Closing costs are separate from down payment. These are the fee’s and costs from the title companies, insurance companies, county, and real estate professionals.
These are costs that can be covered by a seller or real estate professional if they elect and agree to.
A calculation of how much verifiable income you make vs how much your monthly payments for your debts on credit and the home loan payment together.
This is how they determine if you have the ability to repay the loan by the requirements of the loan program.
This is extra insurance to protect the lender and the money you are borrowing in case you don’t pay your bill This can be avoided by certain loan programs and loan to values.
The loan approval process can be done in less than an hour and depends on how quickly you provide the required documents.
The process of closing and funding your loan takes 7 days following required document timeframes.
Contact Us
And now, what’s next? If you are ready to get pre approved or simply just find out more about the home-buying process, feel free to schedule a one-on-one consultation. If you already know that you are needing pre approval and want to get a jump start on things, start by filling out a loan application. Lastly, if you have any other questions or inquiries, please send us a message and we’ll happily get back to you.