Mortgage Pre-Approval
In today's real estate market it is important to choose an experienced Mortgage Loan Officer. I have built my reputation on providing outstanding service to my clients and being knowledgeable of the maze of mortgage products available today.
Over the years I have experienced many changes in the industry but have never changed my belief in the "customers for life" philosophy. As a result I promise to you my best efforts in delivering the kind of service you deserve. I have over 20 years’ experience in helping many people achieve their goal of homeownership. Whether you want to purchase a home or refinance an existing loan, I am knowledgeable of the local real estate market and have the experience to help you close your home loan quickly.
Please reach out, call, text, email, or create an account on my webiste with any questions or concerns you may have.
Debbie Howard
Loan Officer
NMLS ID # 771201, Co. NMLS ID #77047
T: 901-759-4316
F: 901-759-4489
C: 901-268-2192
Create an account with Community Mortgage
Thinking about buying a new home? If you're not paying cash, then you’’ probably need a mortgage.
The first step in the home buying process is to consult with a mortgage lender about your financing options. The process is simple. Fill out the form below and we will connect you with local lenders that can guide you through your pre-approval journey.
We work with Debbie Howard with Community Mortgage and highly reccomend using her. Fill out the form below to begin the process.
The form does not pull your credit history, therefore it does not impact your credit score.
We look forward to helping you through the home buying process!
First Time Buyers
Are you a first-time homebuyer? Did you know that if you haven’t owned a property in the last three years that you are considered a first-time homebuyer?
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Making an Offer
Before the offer to purchase is created, you must be at least pre-qualified or, better yet, pre-approved by a lender, unless you are paying cash.
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Offer Accepted: Now What?
Once your offer is accepted by the seller it starts the offer accepted period. You will be asked for a down payment, typically 1% of the purchase price, on the home you are purchasing which will be held with an attorney or settlement company and applied to the final purchase of your property.
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Personalized Home Search
Complete the form below and we'll create you a custom property search. Anytime when we find properties that match your specific criteria we’ll send you an email.
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Thinking about Buying?
Are you thinking about buying? The video resources below cover many of the common questions that most people have during the home buying journey.
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What Are Closing Costs?
You've found your dream home, the seller has accepted your offer, your loan has been approved and you're eager to move into your new home.
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