Mortgage Solutions Financial
MORTGAGE SOLUTIONS FINANCIAL
EVERY HOME LOAN HAS A STORY. LET’S WRITE YOURS.
ABOUT US
OUR VISION
To offer a friendly, trusted alternative to big, impersonal financial institutions, redefining the mortgage experience for our customers and our team members. Click the video to the right to learn more.
OUR PROCESS
Step 1: Let’s Talk.
You like coffee? We do, and we’d love to share a cup. If not, a phone call will do just fine. During our first meeting, we’ll set goals, discuss our respective roles, cover everything you’ll need to provide, and review the different loans we offer.
Step 2: The Application.
The more information we get at the application stage, the faster and smoother the rest of the process will go.
Step 3: Documentation.
Remember all the stuff we told you you’d need in Step 1? This is when we need it. Your loan officer will help you collect everything, including W2s, pay stubs, tax returns, bank statements and more.
Step 4: The Appraisal.
This is where so many loans get bogged down. That’s why we work with some of the best appraisers in the industry to make sure your loan keeps moving forward. And if for some reason the home doesn’t appraise high enough, we can help you figure out your next steps, too.
Step 5: The Underwriting.
As a direct lender, we underwrite our own loans, which helps us avoid any last minute hiccups and get to closing faster.
Step 6: Conditional Approval.
Congratulations, you’re approved! Sort of. The underwriter has created a list of conditions that need to be met before the loan receives final approval.
Step 7: Processing.
So, you’re approved with conditions. The processor will work to get all those conditions met quickly so we can avoid any last-minute scrambling that, at so many other companies, leads to a rescheduled closing date.
Step 8: Finally, It’s Final Underwriting.
Our underwriter will take one last look at your loan to verify that all the conditions have been met. Once they verify that all the i’s have been dotted and the t’s have been crossed, the loan process is over and you’re ready for closing.
Step 9: Let’s Close.
We’ll work directly with the closing team to get your final paperwork ready and confirm the funds needed at close. All the steps we’ve taken, from our initial conversation to the final underwriting, have led up to this point. Now all you have to do is sign, sign, sign, sign, sign, and sign some more and finally, the keys to your new home will be yours.
FIND A LOAN.
LET’S WRITE YOURS.
PURCHASE
Whether you’re buying your first home, an investment property, or your dream home, Mortgage Solutions Financial can help. As a direct lender, we have the flexibility and resources to look beyond your credit score and create a loan that fits you today, and in the years to come. Whichever loan program you choose, remember, it’s important to get approved first, before you start looking for a home. Agents will be eager to work with you, and sellers will take your offer more seriously. Get started and apply today.
Click on the links below for information:
Have good credit and a nice down payment?
CONVENTIONAL LOANS
Want to take advantage of your military service?
VA LOANS
Looking for a loan with a low down payment?
FHA LOANS
Want to live in a rural area?
USDA LOANS
Don’t plan on living in the house very long?
ARM LOANS
Does the house you want need repairs?
RENOVATION LOANS
Building a house?
CONSTRUCTION LOANS
Want to own a small farm?
HOBBY FARM LOANS
Need a loan that can be tailored to your needs?
NON-CONFORMING LOANS
Looking to buy a farm or ranch?
RURAL & AGRICULTURAL LOANS
HOME REFINANCING
WANT TO REFINANCE YOUR HOME LOAN?
Homeowners refinance for a variety of reasons. Whether you want to lower your interest rate, convert an existing ARM so you can budget more easily, shorten the term of your mortgage, or pull out some cash for college tuition, a vacation, or some much-needed repairs, Mortgage Solutions Financial can help. Of course, refinancing isn’t the right move for everyone. If you don’t plan on staying in your house much longer, if you’ve been paying your mortgage for more than a decade, or if your credit rating is lower now than when you got your original mortgage, refinancing probably isn’t for you. Before you make a decision, make sure to call one of our loan specialists at (877) 899-3614.
Click on the links below for information:
Already have a mortgage? Want a better one?
CONVENTIONAL REFINANCE
Looking to refinance but don’t have a big down payment?
FHA REFINANCE
Already have a VA loan? Want a better one?
VA IRRRL REFINANCE LOANS
Looking to refinance but don’t have a big down payment?
FHA 203(B)
Already have an existing FHA mortgage? Streamline
FHA REFINANCE — STREAMLINE
APPLY FOR A HOME LOAN
CAREERS
CONTACT US
WHOLESALE LENDING
WHAT ARE YOU LOOKING FOR IN A LENDER?
Integrity? Quality? Consistency? Reliability? Respect?
Those are our values. What is important to you is important to us.
Our wholesale lending department is large enough to provide the strength and flexibility you need, while still delivering the personalized level of service you deserve. We are a direct FNMA, FHLMC seller-servicer, and direct GNMA issuer. Additionally, we are one of a select handful of lenders who are direct to Farmer Mac. We understand your business because it’s our business, too. We know the importance of your clients to your success—and we’ll do everything in our power to help you better serve them.
PUT US TO WORK TO IMPROVE YOUR BOTTOM LINE:
-
- • FHA STREAMLINES – NO SCORE, NO APPRAISAL.
- • AND YES – WE ACCEPT PIW’S.
- • VA IRRRL – ANY SERVICER, NO APPRAISAL/ AVM, NO SCORE.
- • NO MINIMUM CREDIT SCORES ON ANY MORTGAGE SOLUTIONS FINANCIAL PRODUCT.
- • MORTGAGE SOLUTIONS FINANCIAL IS COMMITTED TO DELIVERING AN EXPERIENCE. WE PROMISE TO BE A PARTNER YOU CAN COUNT ON, SO THAT YOUR CUSTOMERS CAN COUNT ON YOU.
- • ONE SOURCE FOR FANNIE, FREDDIE, FHA, VA OR USDA – WITHOUT BIG AGGREGATOR OVERLAYS.
Click on the links below for information:
Program Highlights
START HERE
Approved States
VIEW MAP
Get Rates
VIEW NOW
Turn Times
SEE TIMES
Broker Resources
LEARN MORE
Guidelines
LEARN MORE
Business Partners Policies and Procedures Handbook
VIEW
Wholesale Announcements
VIEW
CORRESPONDENT LENDING
Mortgage Solutions Financial Correspondent Lending operates in the acquisition of residential mortgage loans from our approved mortgage banking lending partners throughout the United States. We have built our foundation around our dedication to providing outstanding customer service to our partners. Lenders have come to expect our personalized service, fast funding, and competitive pricing on a diverse line of loan products that fit your clients’ needs. Benefits of Mortgage Solutions Financial Correspondent program include:
- Broad product line, as a result of our Direct Advantage.
- Ease of approval and requirement.
- Greater ability to manage risk loan by loan.
- Best efforts locks with no fee for non-delivery and opportunity for better pricing with better pull-through.
Ready to become a correspondent partner? Contact Steve Chavira at [email protected]. for more information, or complete our correspondent application and agreement today.
Click on the links below for information:
Program Highlights
START HERE
Approved States
VIEW MAP
Turn Times
VIEW NOW
Document Library
VIEW NOW
Guidelines
LEARN MORE
Seller Guide
Business Partners Policies & Procedure Handbook
Correspondent Resources
LEARN MORE
Become a Correspondent
LEARN MORE
CONTACT US
Idaho Location
Branch Manager:
Skip Broyles NMLS 1731878
Twin Falls, Idaho 83301
Ph: (208) 944-9561
Mobile: (208) 358-3635
Mortgage Solutions Financial President, Rob Clennan, answering a question on how technology enhances the mortgage process, at the Mastermind Summit 2019.#Mastermind2019 #fintech #humaninteraction pic.twitter.com/sUaT5FxOLM
— Mortgage Solutions Financial Tejon (@MtgSolutionsFin) June 6, 2019
Rob shares why its important to be at events like #Mastermind2019 pic.twitter.com/UkO1GGPqe6
— Mortgage Solutions Financial Tejon (@MtgSolutionsFin) June 5, 2019
Rob sharing his insights on the day so far at #Mastermind2019 pic.twitter.com/7kLD0RkxEv
— Mortgage Solutions Financial Tejon (@MtgSolutionsFin) June 5, 2019
There's just 6 days to go before Christmas! What preparations are you making this week?#Christmas pic.twitter.com/4Y0PzuDE9E
— Mortgage Solutions Financial Tejon (@MtgSolutionsFin) December 19, 2018
Today we celebrate 71 years as the world's greatest #AIRPOWER! #Birthday #AFBDay pic.twitter.com/VOY8ixMUlO
— U.S. Air Force (@usairforce) September 18, 2018
We are incredibly lucky to have a team that we can call family, and even more so a family that is willing to go all out for our clients. pic.twitter.com/bzcrzbh0b6
— Mortgage Solutions Financial Tejon (@MtgSolutionsFin) May 15, 2018
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