Creating Customized Financial Solutions for our Homeowners

May Homes began with one main goal—to help potential homeowners find and create the luxury home of their dreams throughout the incredible region of Dallas Fort-Worth. Before you fully dive into the process, though, you need to take a good look at your financial situation. Within the new home construction industry, there are always ups and downs that you will have to try and navigate—that’s why when we first started, we knew that we wanted to work with the team at Mortgage Mark from Homebridge Financial Services to set our homeowners at ease and give them all of the necessary tools and information they need in order to find the financial solution that works especially for them.  

Creating customized solutions 

As Homebridge Financial Services is one of the country’s top 20 mortgage lenders—the services they have available for their customers are seemingly endless. With Mortgage Mark in particular, the team is composed of career professionals who have been in the field for 15 years or more—meaning they have truly seen it all and are fully equipped to help you through any situation to make owning your dream home a reality. 

Each session with a new client begins with a discovery call where the team at Mortgage Mark can get to know the homeowners a little bit more and the homeowners can become more familiar with the process and the team that will be assisting them with any financial questions that come up during the homebuying process. As a company that zeroes in on creating a customized consultation for each individual that walks through our doors, we understand that there isn’t a one size fits all when it comes to mortgages. Our goal is to find out what strategies and what programs would be best suited to your needs for both your short term and long term financial goals. 

Our team is able to lock in rates for you for as long as 12 months, we offer free float-downs and we can also do spec locks—so if you know that you’re going to buy a home but just don’t have the exact home or location locked down, you can still lock in a loan with us beforehand. In today’s world, many individuals are also self-employed—working freelance in a number of industries—and that can bring up even more questions about finances when you’re thinking of buying a home like whether or not you have to provide tax returns or pay stubs in order to secure a mortgage loan. At Mortgage Mark, we’re able to offer different products for the self-employed where we work with you through the process and find the perfect solution to get you into your new home as soon as possible.

Addressing rising rates

Today’s market has a lot of individuals questioning whether or not it’s the right time for them to purchase a home. Rising interest rates and home affordability are both top-of-mind for potential homeowners, and some individuals are deciding to put their dream of owning a home on hold because of it. 

For first-time homebuyers in particular, there aren’t many alternatives that would be more beneficial for you than to buy. Rent prices have skyrocketed across the country and will most likely continue to rise with each new year No matter what the current state of the market is, though—there are one of three possibilities that will happen. First, rates will continue to rise, meaning that buying now could be in your best interest as you will be able to lock in the lower price today. Second, rates will go back down in the next 12-24 months, and if you decided to buy today, you could refinance when that does happen. Third, rates will stay the same across the board—and either way you play it, you’ll have to decide if buying a home is what you truly want to do. If yes, why wait? 

The reality of refinancing 

Sometimes, the fear of buying today and seeing interest rates begin to come down soon after could be keeping many individuals from starting the journey to their dream home today. In reality, though, your option to refinance your home as soon as rates drop is usually an incredibly streamlined process. If you haven’t switched jobs since living in your current home, your mortgage lender will already have your information on file to easily pull from. The process will be similar to what you’ve already gone through once before, making you much more comfortable with everything, and the costs will be minimal this time around as you get a discount on title policies. 

Promoting transparency 

At May Homes, we are constantly working toward building high-quality modern homes to fit the needs and wishes of our amazing homeowners—and throughout the entire process, we will be with you every step of the way to make sure you are fully confident in our team and satisfied with your finished home. If you’re interested in learning more about the communities we build in or want to know more about how we can help turn your dream home into a reality— fill out our online form today.