The First Step to Buying a Home

Buying a home is one of the most gratifying things you will ever do, not only in terms of pride of ownership but also as an investment into your overall net worth and financial well being.
Like any journey, it begins with a first step and that is loan approval. Loan approval will help determine your budget so you know the price range of homes you should be searching, as well as types of homes; condos, single family, manufactured, etc.
However, not all loan approvals are created equally and it's important to understand the difference between prequalification, preapproval and approval. The more thorough your approval, the more likely your offer is to be accepted but just because you have a loan approval, there are still important things we do to differentiate your offer from 95% of the other offers submitted. Our use of technology and communication is what gives Sellers and Listing Agents the comfort and confidence to choose you and it all starts when you click the "Apply" button.

Reviews

"Adam and Kathy were wonderful to work with. No surprises always answered the phone and kept us updated. Made our loan super easy for a vacation property. We will definitely use them again."

zuser201611031417051

"Adam and his team at Emery Financial are the team you need to work with if you are looking to buy or refinance a loan. As first-time home buyers, Adam educated us on the mortgage process throughout and gave us strategies that go way beyond just the interest rate. When our seller wanted our loan to close in two weeks, Adam and his team never flinched and told us they could get it done. Without that, we never would have gotten our dream home. From down payment strategies to education on the rate environment, Adam made sure we not only got a great rate, but that we had a comprehensive plan for how to buy our home. His loan processer Cathy also made sure that the process was easy and kept us on track to close in a short period of time. Thank you, Adam and Cathy, for helping us, we would not be in our home today without you!"

teddy s

"Adam and Cathy went above and beyond to help me get the best rate for my mortgage and to close on time. They were always available to talk to me and answer any question I had. "

austin braver