We believe in leading people to a healthy mortgage. Our team at Access Mortgage Partners (AMP) thrives on face-to-face communication. We believe in starting every loan experience with a real, in-person conversation because there’s so much we can learn from our borrowers by their non-verbal communication and their tone of voice. Of course, we’ll also happily jump on a phone call, chat through email, or communicate with you however you prefer.
In order to lead our borrowers to that healthy mortgage we mentioned, we are dedicated to being transparent. We don’t hide fees like other lenders. We’re upfront and honest about your entire financial transaction. Our team uses the trust we build together to set you up for future financial success.
We like to meet face-to-face so we can really get to know you and your goals. This meeting is all about leading you down a path of a healthy mortgage. We start with honest advice and a transparent understanding of the mortgage process. We don’t see this as a sales process, but rather as a conversation about your goals and how we can help you achieve them.
Step 1: Talk to our team
This part of the process is all about understanding what your maximum loan amount could be. This is the first stop before you start house hunting. We’ll go over your proof of income, run credit reports, and check other financial information.
Step 2: Apply for your mortgage
Once we’ve compiled all your information and collected the right documents, we send everything to our underwriting department. This step can get a little complicated at the beginning when we’re collecting everything, but after that, it’s straight forward.
Step 3: Close on your dream home
Once your loan is approved, it’s time for the fun part! Getting the clear-to-close happens after you’ve submitted the documents and your application is approved. We’ll schedule the closing and welcome you home!
Finding the right mortgage loan program can save you time and money. That’s why it’s so important we understand where you want to purchase, what your finances look like, and what your home goals are. Together, we’ll find the right solution to help you accomplish those goals.
FHA home loans are designed provide flexible guidelines for homebuyers. Removing barriers traditionally associated with mortgage programs, FHA loans offer lower down payment options and easier credit qualifications.
USDA home loans provide financing for those looking to purchase in rural settings. As a rural development program, USDA loans offer zero down payment mortgage solutions for qualifying borrowers and properties.
Created specifically for active military personnel, veterans, and U.S. Military families, VA home loans offer qualified borrowers a no down payment loan option with lower credit score qualifications.
Conventional home loans are great for those who have saved the traditional 20% for a down payment, though smaller down payment options exist for this home loan, as well.
What are the best mortgage loan programs for Lakeland?
Finding the right mortgage program for you isn’t just about where you live or want to live. Yes, location has a part in it, but it’s also about your current finances and your future goals. We take the time to learn about all three of those things before we ever make a recommendation.
Buying a home anywhere starts by talking to a Mortgage Consultant. We’ll work with you to find the right home loan that leads you to a healthy mortgage. Our team considers your current and future financial life before making any recommendations.
How long does the Lakeland home buying process take?
Buying a home can take a few weeks, months, or even years depending on your situation. At AMP, we’re honest about the process and your situation. Together, we’ll build a plan to get you to the closing table and get you into your dream home.
How much does it cost to purchase a home in Lakeland?
The better question is, “how much home can I afford?”. Before you start looking at homes, you need to consider how much you can really afford and the best way to do that is to get pre-qualified. Our team will review your finances with you and help you find a healthy mortgage.
How much do I need for a down payment in Lakeland?
The amount you need for your down payment comes down the loan program you’re using to purchase your home. In most cases you’ll need 0-5% to purchase a home. Ultimately, your down payment amount is about your end goals, the type of home you want to purchase, and your current situation.
I want to purchase a home in Lakeland, where should I start?
The best place to start is a conversation. Whether we meet face-to-face or talk over the phone, we want to help you on your journey to a healthy mortgage. We’re honest, transparent, and provide the guidance you need during this important financial journey.
Can you help me purchase a home that isn’t in Lakeland?
Absolutely! Since we’re licensed in Florida, we can help you purchase a new home anywhere in the state including Lakeland, Winter Haven, Auburndale, Mulberry, Plant City, Lake Placid, Bartow, and many more!