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Call a Team That Won’t Give Up

We have been offering the lowest mortgage rates since 1994! The Lending Corner Team is composed of true mortgage professionals that offer the lowest mortgage rates in the market today. All of our originators are principals in the company carrying over 20 years experience and work together to provide you a level of service and professionalism unsurpassed in the industry.

Whether you are financing a new home purchase or refinancing an existing loan, Lending Corner has embraced all aspects of technology available to create a completely paperless and seamless transaction for our clients. Come get the service and rates you deserve with Lending Corner.

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Want to find out your interest rates or how long it will take you to pay off your mortgage? Use our mortgage calculator! 

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We are always happy to help you at every step of the home loan process. Customer service is one of our top priorities! Apply for your loan today!

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Need help or have questions regarding home loan or real estate matters? Fill out the form and get in contact with a professional today!

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Are you self employed and looking for a home?

Discover all of your options and chart your path to home financing.

Take the Quiz

Are you self employed and looking for a home?

Discover all of your options and chart your path to home financing.

Take the Quiz
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Answers to Your Questions

There are a lot of factors to consider when determining how much you can afford, but a good rule of thumb is to not let your monthly mortgage exceed 25% of your monthly take-home pay. Following this guideline will help you manage additional homeownership costs such as maintenance and repairs, while still keeping room for other financial goals like retirement and savings. There are also tons of affordability calculators you can find online, like this one!

Pre-Qualification and Pre-Approval both estimate the loan amount that you are likely to qualify for. This is an important first step in the home buying process to ensure you are looking at the right homes that fit your budget.

Pre-Qualification and Pre-Approval are often used interchangeably and can both help you stand out amongst the homebuyer competition. Both require you to supply an overview of your financial history such as your income, assets, debts, and credit score. However, most people look at pre-qualification as step one and pre-approval as step two because pre-approval requires formal documentation and verification.

The amount of time it takes to close a loan will differ from lender to lender, but a top mortgage lender should be able to close your loan within 30-45 days from application. Not having the proper documentation or having errors in your documentation may result in delays so it’s important to make sure you have all of your materials properly prepared.

Mortgage lenders will require you to provide certain documents in order to assess your ability to repay your loan. The Great Recession was due in part to borrowers not being adequately vetted for their ability to repay their loans. For this reason, the pre-approval process now requires significantly more paperwork. You will be asked to provide documentation regarding your employment and income, savings and assets, and outstanding debt.

Some of these documents include:

  • Tax returns
  • Pay stubs/W-2s
  • Bank statements
  • Credit history
  • Gift letters
  • Renting history
  • Work history

Most conventional loans require at least 5% down, but 20% is typically recommended. Mortgage companies often require borrowers to pay private mortgage insurance until they have 20% equity in the home. This additional fee is put in place to protect mortgage companies against borrowers who stop making payments on time.

Although this is standard, there are also many different loan programs that can help you purchase a home with less than 5% down. For example, some Veterans can qualify for VA loans that allow them to purchase a home with 0% down and no PMI. FHA loans can also allow first time homebuyers to purchase a home with as little as 3.5% down.

Your lender will be able to assess your financial situation and determine which programs you qualify for and which ones are best for your financial goals.


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