Expansion Mortgage LLC
We are your trusted partner in navigating mortgage loans. As a boutique mortgage brokerage, we prioritize your unique financial needs, offering tailored solutions that prioritize honesty, client-centric service, and financial wisdom. we’re here not just to find your dream home but to expand the horizons of your financial journey
– Andres C Patino Carrera / Broker Owner
Why work with a mortgage broker?
01
Access to a Wide Range of Lenders
At Expansion Mortgage, we have cultivated an extensive network of lenders, including banks, credit unions, and private institutions. This vast pool allows us to diligently shop for the most advantageous loan terms and rates on your behalf. With us, you gain access to a diverse array of mortgage options, ensuring you can make an informed decision that aligns perfectly with your unique financial situation.
02
Exclusive wholesale pricing
We have the privilege of accessing wholesale mortgage rates, often lower than the rates offered directly to consumers by traditional banks and lenders. This exclusive access empowers us to secure the most competitive interest rates and fees available, ultimately saving you money over the life of your loan.
03
Tailored Solutions and Expertise
We take pride in our flexibility and expertise in navigating the intricate world of mortgages. We understand that each borrower is unique, and we're here to cater to your specific needs. Whether you have a complex financial situation or simply seek a mortgage that aligns with your goals, we will craft a personalized solution for you. We make the mortgage application process straightforward and ensure that you receive expert guidance every step of the way.
04
We work for you, not the investor
One of our main objectives is to ensure that the investor/lender we select provides not only the best financing terms but also a smooth underwriting process and the certainty of closing your loan. Rest assured, if our lender partners are not facilitating a smooth underwriting process, we will take your mortgage loan to a better fit.
Ready to purchase? Ready to refinance? We got you.
The Homebuying Journey
1) Pre-Approval Consultation
Your journey begins with a consultation with one of our experienced mortgage consultants. They’ll walk you through the initial application, discussing necessary documentation and helping you understand your qualification criteria.
2) Home Shopping Adventure & Offer placement
Start home shopping within your budget with help from your real estate agent, who will select potential homes and guide you through viewings. Once you find your dream home, your agent will help make an offer and begin negotiations with the seller to secure your purchase.
3) Loan Underwriting & Approval
With your offer accepted, the focus shifts to finalizing your loan. This phase includes a thorough appraisal and inspection of the property, along with a detailed review by our underwriters. Updated documents may be requested to ensure everything is in order for final approval.
4) Closing & Celebration
The final step is the most rewarding – closing on your loan. Once the underwriting is complete and everything is approved, you’ll sign the closing documents and officially become a homeowner. Welcome to your new home!