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"Sarah went above and beyond to help us secure our mortgage in a tricky situation. Things changed several times on our side and we were on a very tight timeline. Sarah rolled with and adjusted to all of our changing needs."
Michael Reede
I Would Recommend
Them Anytime to Anyone.

"I frequently use John as a resource of knowledge in the world of mortgage lending and he never disappoints. I would recommend he and Frank anytime to anyone looking to finance a home or investment property."
Matt Oliver

"Cody was super helpful. He asked all the right questions and made our quest to purchase a home easy and comfortable. The process was seamless."
Brian Hilton
Home Owner in Texas
I Would Recommend
Them Anytime to Anyone!

Jacob Lewis
At WELCOME VENTURES LLC, we're committed to turning your homeownership dreams into reality. With expert knowledge of the mortgage market and personalized support at every step, we help you secure the best loan options to buy, refinance, or invest in properties with confidence and ease.
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There are various mortgage options, including fixed-rate, adjustable-rate, FHA, VA, and USDA loans. Each type has different features and benefits. Contact us to find out which option might be best for you.
Your borrowing capacity depends on your income, debts, and overall financial situation. Our mortgage experts can help you estimate how much you can afford--apply today and speak with one of our experts for personalized advice.
Pre-approval involves a lender reviewing your financial situation to determine how much you can borrow. It shows sellers you're a serious buyer and gives you a clearer picture of your budget.
The home buying process typically involves several key steps. For buyers, these steps include pre-approval for a mortgage, property search, making an offer, negotiating terms, conducting inspections, securing financing, and closing the deal. We guide our clients through each stage of the process, offering personalized support and expertise along the way.
Refinancing involves replacing your current mortgage with a new one, typically to secure a lower interest rate, change the loan term, or access home equity.
Common reasons include lowering monthly payments, reducing the interest rate, shortening the loan term, switching from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or tapping into your home's equity for cash.
Consider your financial goals, the remaining term of your current mortgage, your credit score, and how long you plan to stay in your home. Consulting with one of our loan officers can also help provide personalized guidance.
Savings depend on factors like the new interest rate, loan term, and fees. A lower interest rate or shorter loan term can significantly reduce your total interest paid over the life of the loan.
The break-even point is when the savings from your new loan exceed the costs of refinancing. Calculate it by dividing the total refinancing costs by the monthly savings.
Required documents typically include proof of income (pay stubs, tax returns), bank statements, information about your current mortgage, and proof of homeowners insurance.
A higher credit score can help you qualify for lower interest rates and better terms. It's a good idea to check and, if necessary, improve your credit score before applying.
Yes, but it may be more challenging. You might face higher interest rates and fewer loan options. Consider improving your credit score or exploring government-backed refinancing programs.
A cash-out refinance allows you to take out a new mortgage for more than you owe on your current one, receiving the difference in cash. This is often used for home improvements, debt consolidation, or other financial needs.
Ideal times include when interest rates are lower than your current rate, your credit score has improved, or your home's value has increased. Monitoring market trends can help identify optimal times.
The process generally takes 30 to 45 days from application to closing, depending on factors like the lender’s efficiency, your preparedness, and any complexities in your financial situation.
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We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.
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NMLS: 1707407
Company NMLS: 1708856
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