We’re called to serve by educating, advocating, and opening doors to homeownership, one family at a time.
Reliant Mortgage is an education based mortgage company, and we strive to offer the ideal financing solutions for your mortgage needs. In practice that starts with underwriting in house, so your file does not leave the building to sit in someone else’s queue.
That is why closings happen in as few as twenty one days and why a written pre-approval certificate often comes back within the hour. It is also why there are zero origination fees. With more than fifty years of combined experience behind the operation, this is an education based mortgage company, which means you will understand every number before you are asked to sign anything.
Falling for a home you cannot finance is a heartbreak nobody warns you about. A written pre-approval certificate takes very little of your time and turns you into the buyer whose offer gets taken seriously.
Most come back within the hour.
Your pre-approval certificate, in writing
Twenty percent down was never the only door. Here is everything on the table.
The predictable one. The same payment for thirty years, whatever the market decides to do.
View →02A higher payment, far less interest, and the house is yours in half the time.
View →03A lower credit requirement and a lower down payment, for buyers who have not saved twenty percent.
View →04Earned, not given. Zero down and no monthly mortgage insurance, for those who served.
View →05For homes above the conforming limit, without the runaround that usually comes with them.
View →06Buy it and fix it on one loan. Available on conventional, FHA and VA, so the renovation is financed right along with the purchase.
View →07Assistance toward the down payment, which makes the wait to buy a good deal shorter.
View →08One hundred percent financing in eligible areas. No down payment at all.
View →A conversation, not an interrogation. What you want to buy, what you earn, and whatever is going on with your credit.
Often within the hour. A real pre-approval certificate you can hand to a listing agent, not a text message saying you look fine.
You know exactly where you stand before you fall in love with a house. That is the entire point of doing this first.
Underwriting stays in house on the lending side, so your file keeps moving instead of sitting in somebody's queue.
An estimate only. Taxes are figured at 1.25 percent and insurance at 0.35 percent of the price per year, and both vary quite a bit by state and by property. Mortgage insurance, association dues and any assistance program are not included. Your written pre-approval will carry the real numbers.
Nobody should sign the largest paperwork of their life while quietly hoping it makes sense later. We will explain what an escrow account is, why the rate you were quoted moved, what points really buy you, and which line on that estimate is negotiable.
Ask the same question three times if you want to. That is not a bother. That is the job.
Every question answered before you sign
Often back within the hour, once we have the documents we need from you.
