Purpose

We are committed to making a difference in the lives of each client we are given an opportunity to serve. The following principles are lived by each member of my very talented team. Without exception we will…

• Ask questions and listen to our clients in order to fully understand their needs.
• Create mortgage solutions that compliment our client's overall financial strategy, and allow them to most effectively accomplish their short and long term financial goals and build their net worth.
• Be sensitive to the fears that many homebuyers have about obtaining a mortgage loan and earn their confidence as a trusted advisor.
• Respect our client's time and minimize the amount of effort required of them by applying our knowledge, experience, and resourcefulness.
• Use state-of-the-art technology to complement our customer service.
• Communicate regularly and proactively with our clients to keep them informed of the status of their loan and reduce the stress that is associated with uncertainty.
• Ensure smooth, on time closings with anticipated costs and terms.
• Provide our clients the luxury of home loans in the future with little effort on their part through an Annual Mortgage Review process.
• Measure our success by our client's willingness to confidently recommend us.
• Take full responsibility for our actions and be honest at all times.
• Seek to improve the quality of service we provide by encouraging each client to critically evaluate our performance.
• Strive to honor God in all that we do.

Process

Purchasing a home can (and should be) be a very exciting experience! At Cherry Creek Mortgage Company, we're dedicated to providing you with the support you need to make your home buying experience pleasurable…and FUN!

Here's a quick list of the steps you'll go through as you move toward your homeownership goal:

• Get Pre-Approved - Get your mortgage FIRST to save time and money! Getting pre-approved FIRST provides you with the security of knowing your loan is already in place and provides you with a strong negotiating tool. With your pre-approval in hand, sellers are more motivated to deal with a buyer who is serious.
• Shop For a Home - After you know how much home you can afford, you can work with your Realtor to outline your 'new home wish list' and create an action plan to find it. Your Realtor will represent you exclusively, and work to get you the best deal. He/she will be familiar with the market in your area, and will save you time and money by helping you refine your home search and only show you properties that meet your specified criteria.
• Select a Loan Product - There are many different types of mortgage loans available to meet all kinds of different financial needs. You'll work closely with your Loan Officer to select a program that will help you meet your short term and long term financial goals.
• Obtain Final Loan Approval - Once you're found the perfect house and made an offer to purchase it, the property will be appraised and inspected. These steps help protect your interests in the property by establishing an objective value for the property (so you know you're paying a fair price) and highlight any items that may need to be repaired or replaced because they present health and/or safety issues. During the final approval process, we'll collect all the final information we need to give you final loan approval. This typically includes title work, a flood certification, and homeowners insurance information.
• Close On Your New Home - At last…moving day! You'll meet with the sellers to settle the transfer of property and close the transaction. You'll provide a certified or cashier's check (payable to yourself and ready to be endorsed to the title company). You'll review the 'Settlement Statement' to confirm what you and the seller owe each other, sign the mortgage note, and the seller will turn over the 'deed' (denoting ownership in the property) and the keys to you. Welcome home!