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Pre-Approval
A pre-approved offer is one you and the seller have confidence in.
Personalized To You
We will help you find the perfect loan program to fit your situation.
Buy A Home In 5 Easy Steps
1
Tell Us About Yourself
Create an account by sharing some information about yourself. Once your account is set up, you can securely complete the application process completely online.
2
Know Your Options
We will help you find the right loan solution for you, based on your goals and needs.
3
Get Pre-approved
Once you are qualified, getting pre-approved minimizes surprises so you can focus on finding the perfect home and have confidence when making an offer.
4
Make the Offer
When you find the home for you, you will be ready to make a pre-approved offer that you and the seller can trust.
5
Get The Keys
After executing the purchase contract, we work with all parties involved to help make sure you get your loan and home on time.
14 Mortgage and Refinance Terms You Should Know
Starting the search for your first home? Thinking of refinancing to a better rate or a helpful cash out? Both can be exciting times, but there are likely to be bouts of anxiety during each process, too.
10 Things Not to Do Before Applying for a Mortgage
Preparing for a positive mortgage experience starts well before the paperwork begins. We cover our top to-do tips in our first-time home buyer guide; but there are also some no-no’s to keep in mind in advance of applying for a home loan.
First-Time Homebuyer Guide
Buying a home can be an exciting journey, but can also feel like a daunting task at times. We at Minute Mortgage want to help make the journey to homeownership as smooth as possible. Consider this guide to be your Buying a Home 101 course.
6 Reasons to Use Minute Mortgage For Your Home Loan
You’ve got a lot of options when it comes to finding a mortgage lender. From traditional lenders at financial institutions to the ever-increasing amount of online lenders, there’s no shortage of options for homebuyers and refinancers to choose from.
We Know Mortgages.
We have a loan for you.
Whether buying your first home loan or your 100th, we have the experience, expertise, and products to help you accomplish your goals.
Traditional Fixed Rate Loans
Government Loans
Adjustable Rates Mortgages (ARMs)
At Minute Mortgage, we are here to help you with the mortgage process and work diligently to make sure we understand every and all available program and make those available to our customers.
Discount Points
Discount points are fees paid directly to the lender at closing in exchange for a reduced interest rate. This is also called “buying down the rate,” which can lower your monthly mortgage payments.
One point costs 1 percent of your mortgage amount (or $1,000 for every $100,000). Essentially, you pay some interest up front in exchange for a lower interest rate over the life of your loan.
In general, the longer you plan to own the home, the more points help you save on interest over the life of the loan.
General Assumptions and Disclosures
The example payments do not include taxes, insurance or assessments. Mortgage Insurance Premium (MIP) is required for all FHA loans and Private Mortgage Insurance (PMI) is required for all conventional loans where the loan amount exceeds 80% of the subject property value (LTV).
Mortgage interest rates shown are based on a 30 day rate lock period. All loan products and pricing assume the property type is single family and will be used as your primary residence. All loan products and pricing are based on the location of Maricopa County, AZ.
The Annual Percentage Rate (APR) is a measure the total cost to borrow money as an annual percentage. The APR includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination fees). The APR can be a useful method to compare the costs of similar loans between lenders.
The rate, terms and estimated closing costs above do not constitute a Loan Estimate. The Loan Estimate is prepared based on your specific information provided that you will receive once you apply for a loan. The rate, terms and estimated closing costs, are estimations based on the assumptions noted above. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs.
The displayed interest rates and APRs are based upon a variety of assumptions and conditions which include an assumption for consumer credit profile. Your actual credit score may be higher or lower than the assumption shown. Your loan's interest rate will depend upon the specific characteristics of your loan transaction.
Minute Mortgage is located at 8388 E Hartford Dr, suite 111, Scottsdale, AZ 85255 NMLS 1696333. 1-602-443-5000. Copyright 2019. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Click Here for Licensing Information.
Minute Mortage is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA)
