We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
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Works to the advantage of customer Luis was honest and very friendly. He was approachable and helped in closing the loan in fastest time. He provides... read moreACH7/20/2021
Amazing service Luis and his team provided excellent service. He was friendly, pleasant and worked tirelessly to get our deal done. Luis... read moreCarlosPerez6117/09/2021
LUIS, YOU ARE THE BEST! Writing this review reminds me of a very pleasant and stress-free experience that my wife and I have had ... read moreoscar micu7/05/2021
Great Experience. Luis and Equity Now. After wasting about 16 months with three other banks/lenders, trying to refinance my house, I called Luis and explained my... read morePllumb Nacaj7/03/2021
Amazing Company Equity Now is a top-notch mortgage company. The customer service was personalized and excellent. Even when underwriritng began, the... read morelisakdavids2/04/2021
Easy and Professional! Working with Leif at Equity Now was easy and professional. Leif kept me up to date of the status... read morehillerpatricia292/03/2021
Giovanni Scott Acosta - Equity Now Inc. My Lender was and is exceptional, and Equity Now is better-off for having Giovanni Scott Acosta working for them. ... read moregemval21/18/2021
Easy process! Gio made the process very simple without headaches and frustration. It’s a no brainer. He was easy to work with... read moremmarino82021/16/2021
Best Direct Mortgage Lender I've Used for Refinancing I worked with Leif Jameson to refinance my home from a 30-year fixed @ 4.375% to one @ 2.500%. ... read moreErol1/05/2021
Couldn't be better We wanted to refinance to take advantage of lower interest rates and tried to do so with the lender we... read morepgb05912/22/2020
For your initial pre-qualification we’ll ask you questions about your income, assets, and employment. We will also order a credit report to check your credit score and history.
Once you start the application process we’ll need to verify the information you gave us. In many cases, we can do this digitally and you do not need to provide any documentation. In some cases, we may request specific documentation, such as your last two years of income tax returns, bank statements, pay stubs or documents pertaining to other personally owned real estate. You’ll receive a clear checklist of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.
No! Getting started before you find a home may be the best thing you could do!
If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Qualification Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-qualification is an essential tool when house shopping because it:
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
- Tax advantages – The mortgage interest and real estate taxes you pay may be tax deductible which can reduce your tax bill. Please consult your tax advisor.
- Real estate is marketable.
- You can make your own decisions about design and décor.
- You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
- You have control over the piece of property. You are not answering to a landlord.
Yes, Equity Now has a Heter Iska that is approved by prominent leading Halachic authorities.