Why We Are Different
Strategy and Plan – Help you build a customized mortgage plan to meet your goals
Personalized Service – We are a boutique shop, this allows us to provide the ultimate luxury mortgage experience
Trust and Relationships – Lay the foundation out to be your personalized mortgage professional
Peace of Mind – A mortgage can be stressful, we help you sleep better at night knowing you are in good hands
Get to know us.
Compare Solutions With a Free Mortgage Rate Quote
If you are in the market for a new mortgage to either purchase a new home or refinance an existing property, it’s understandable that you want to make sure you are getting the most bang for your buck.
Moreover, mortgage rates are at near all-time historic lows, so now is a great time to obtain new mortgage financing. But just because rates are low doesn’t mean all mortgage lenders are the same.
More importantly, New Century Mortgage understands that a mortgage is a long-term commitment, which is why we are strategic with our financing recommendations. We only choose solutions that will efficiently serve your needs.
However, unlike other lenders, we realize that plans change and your financial goals change along with them.
Moreover, our unique and tactful approach enables us to truly uncover the root of what it is you need, therefore allowing us to suggest customized mortgage financing solutions adapted to your individualized plan that will help you achieve your financial goals.
Above all, getting started with a new mortgage application has never been easier. The first step is to inquire about a free mortgage rate quote. After that, applying has never been easier. Here is some information to consider as you go through the mortgage application process.
How to Request Your Free Rate Quote
New Century Mortgage
We are a fully service mortgage broker that can offer financing solutions for new purchases or refinances. We offer a variety of loan programs to choose from.
Not only does our approach set us apart from our peers, but the breadth of variety of solutions you can choose from allows us to offer more flexible solutions, at lower rates, with less out-of-pocket costs.
Above all, we make it easy to get a fast, easy, and hassle-free mortgage rate quote online. Simply answer a few questions and submit an inquiry HERE.
Life gets busy, we get it! If you prefer for us to get back to you at a time convenient for your schedule.
We would be happy to discuss your financing needs and review rate and term options with you.
Preparing For The Application Process
New Century Mortgage – Free Mortgage Rate Quote
Above all, what sets our approach apart from our peers, but the breadth of variety of solutions you can choose from allows us to offer more flexible solutions, at lower rates, with less out-of-pocket costs.
After receiving your free mortgage rate quote and discussing your mortgage financing options with our team of experts, it’s time to begin the application process.
For instance, you can begin the process over the phone or by submitting an application online through our private platform.
Therefore, It may be beneficial to prepare and consolidate your financial documentation ahead of time to help streamline the application process.
For example, here is some common documentation worth gathering upfront:
- Two recent pay stubs
- Two years most recent W-2s
- Two years personal tax returns (including all schedules and worksheets)
- Two months most recent bank statements
- Most recent quarterly or monthly retirement or asset statements
- Lease agreements – Such as for any rental properties owned
If you are self-employed, consider also preparing your related business financial statements including:
New Century Mortgage – Free Mortgage Rate Quote
- Two years business tax returns – including all schedules and worksheets
- YTD profit and loss statement – audited or unaudited
- Aged receivables and a current balance sheet
In other words, we need your financial statements and documentation, it’s a good idea to have the contact information for your current providers handy in case they are needed.
However, if you are planning on moving to Florida to start a job in 60-90 days from now, then you may qualify for the FHA mortgage program and close before you start your job.
Consider providing information on your mortgage provider for payoffs, homeowners insurance agent (for changes in declarations and evidence of insurance), and accountant (for missed financial or tax documentation) ready in case further documentation is required.
Overall, providing these contacts upfront can help move your application along and get you to the closing table faster!
Things we can do.
We provide more than just cookie cutter loan strategies. Strategy and efficiency is just as important in rate in our opinion. Let us help you reach your dream home goals. Above all, we enjoy help educating people through this process. The first step though is a free mortgage rate quote.
Consider us your personal mortgage professional as we provide luxury customized service to all of our clients and can even reach us after normal hours. Similarly, like a purchase program, there are various programs that may work for you. You may want to consider if you qualify for conventional to FHA or vice versa.
Are you a non US Citizen and interested in buying a second home or investment property in the USA? We can help! In other words, we have access to lenders for home purchasing regardless of citizenship.
Non US Citizens can refinance their 2nd home or investment, take advantage of the programs out there to meet your main objective. For instance, if you own a property and want cash out or rate and term, we can help.