Tracy Ellis

Real Estate Magazine

Buying and Selling Edition 5

Financing your Dream Home

What does the phrase “dream home” conjure up for you?  Maybe it’s a rolling green lawn, or maybe it’s a back deck overlooking the greens of the country club.  Maybe it’s a sprawling colonial with gable windows winking at the world, or maybe it’s a luxury cabin on 10 wooded acres.  Or unfortunately it’s thinking about the headache and hassle of
going through the approval process to finance that dream home.

If, instead of the excitement of moving into the home of your dreams you’re dreading the maze of paperwork and hoops of red tape let’s talk about how to keep those nightmares from becoming a reality.  First, remember that credit scores aren’t cut and dry.  Nor is your credit score the first thing a seasoned Loan Officer is concerned with.  How to find a way to finance your dream home even when you’ve been refused credit elsewhere.  We know how to adjust for investment or self-employment income, recognizing that what you legally report as taxable income doesn’t always represent your full ability to manage a mortgage payment.  Ultimately, we’re here to help you solve any credit issues so that you can get the loan you need for the house you want.

Second, a loan officer who is both accessible and approachable can increase the likelihood of an ideal outcome and reduce the level of stress for you.  It’s a headache to work with someone who only knows you as a file in their system and only communicates through emails and phone calls.  Getting the right loan structure can depend on a lot of variables, and those details don’t all come to light when you fill out a standardized form.

At Vinson, you’ll work with a personal Loan Officer who values the relationship and approaches you as a person instead of an application for a loan.  You can come and put your paperwork on the desk and go over it over coffee instead of wrestling with all the forms and requirements.

It’s often during those across-the-desk discussions that we learn how to really serve you.
Working with someone who is local also helps ease the headache.  The Vinson family has been part of the mortgage industry and a member of the St. Louis community for more than 25 years.  We know that having an experienced and licensed Loan Officer available to you is an important part of keeping those nightmares at bay and putting your dream home within reach.

Third, you don’t have to spend weeks waiting to close on your new home because Vinson Mortgage conforms to the highest industry standards and because we offer in-house underwriting, you could close on your dream home in only eight days