Mortgages are easy with us!
Expert Mortgage Associates provides lending knowledge to best structure your mortgage loan in order to make you look as financially solid as possible to a bank. With over 20 years of experience, Expert Mortgage Associates has thrived in the good and poor economic times by putting the client first. We believe in asking the right questions, providing honest feedback, executing creative ideas, and partnering with excellent lenders. Our processes allow us to get your personalized loan closed quickly, with a low interest rate and low costs.
Who We Are
Elizabeth LaGasse
President / Sales
Liz LaGasse has successfully assisted thousands of clients to the closing table over the last 20 years. Liz finds it important to take the time to listen to her clients' situations prior to navigating their unique loan process (purchase or refinance). Working with over 85 lenders to shop rates and programs, there is no substitute for Liz's experience in this ever changing industry.
[email protected]
Marc LaGasse
Vice President / Operations
Marc LaGasse has over 20 years combined experience in both working for a big bank as a manager, and running a dynamic brokerage firm. Marc is knowledgable in structuring loan submissions to ensure a speedy and hassle-free loan approval. He takes a personal interest in each client by listening to their individual needs, assessing their financial condition, and providing a sound mortgage solution.
[email protected]An Overview of the Loan Process
Free Consultation
How Much You Can Afford?
This is a function of a couple things. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? We can guide you to the right loan amount and best program for you when you answer a few questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.
Pre-Qualification
Determining The Factors That Affect You
This is where the process really begins and you save the most money. You will provide information on your current job, your assets, and your residence history. We pull your credit score and report. After reviewing the provided information, we'll provide you with a pre-qualification letter — a great tool when you make your offer! The pre-qual letter gives you buying clout!
Loan Application
Applying For Your Loan
Once you have made the offer and the sellers accept it, it's time to apply for the loan. Applying for your loan couldn't get much easier — you can apply right here on our site. After the offer has been accepted and you have applied for your loan, we will order a professional appraisal on the home.
Funding
One Step Closer to Securing Your Property
The agents will find a title company to handle the funding of the loan and closing. We'll work with this company to ensure all the papers your lender needs are available. We coordinate with this company on your closing date so you can concentrate on moving logistics and all the details of moving into your new home.
Congratulations! You're ready to buy a home!
Buying a home is one of the biggest purchase decisions you'll ever make. But getting a mortgage loan doesn't have to be difficult. That's why Expert Mortgage helps you find the right home financing with the right mortgage lender.
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