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How quickly can you close my mortgage?

Town and Country can typically close the majority of home purchase mortgages in 30 days or less. Our experienced team will work with you to identify the documents we will need to meet your closing date.

The time to close may vary depending on the property, borrower circumstances and third party providers such as an appraiser. Be sure to speak with one of our experienced Mortgage Lenders about your specific situation.

Can I apply for a Mortgage Loan before I find a home to buy?

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply now you could pre-qualify online in minutes. Or, take it a step further, and we will review requested documentation in order to issue an official pre-approval. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. A mortgage pre-approval helps give more weight to any offer that you make.

When should I lock in my interest rate?

Mortgage interest rate movements are as hard to predict as the stock market. No one can really know for certain whether they'll go up or down, and they may change several times within a single day. If rates are on an upward trend, then you'll want to consider locking the rate as soon as you are able. Before you lock your rate, talk to your mortgage lender for help in choosing the right rate lock period for your situation.

How do FHA, VA and USDA Rural Housing loans differ from conventional loans?

Not every lender can offer “government” loans, but Town and Country does. FHA, VA and USDA loans are insured and administered by the federal government. FHA, VA and USDA loans generally require lower down payments and have lower qualification requirements than conventional loans. (Only qualified veterans can obtain VA loans.) Additionally, FHA, VA and USDA loans have established maximum loan amounts that limit the amount an individual can borrow. USDA loans have geographical restrictions and restricted income limits. Talk to your mortgage lender to learn more about our government loan products.

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How do I find a down payment assistance program?

Search online for down payment programs.