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WE ARE AN IMPACT LENDER
Movement gives away 40-50% of its profits to make an impact in our communities. When you buy or refinance with Movement, you’re the reason we’re able to make a positive, generational difference.
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"My finance team was top notch. They were friendly, knowledgable, and most importantly, responsive. Each stage of the process was completely transparent."
The Smith Family – Charlotte, NC
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FAQ
How much home can I afford?
While keeping your financial health our main priority, Movement Mortgage will determine your borrowing power after considering multiple factors such as your monthly income, employment history, credit score, and overall credit-worthiness. One of our most valuable pieces of advice is that only you can determine the mortgage debt that you're willing to bear, based on your future financial goals. Movement Mortgage provides expert advice to assist you with how much you can comfortably afford to borrow.
How long does it take to get a mortgage and close on a house?
While competitors are pushing their closing dates back from anywhere between 30 to 90+ days, Movement Mortgage is setting records in the industry with 7 Day Processing and upfront underwriting. We have streamlined these innovative processes, allowing our Loan Officers to move closing dates up when requested by real estate agents. Imagine: you get the keys to your dream home while others are stuck waiting for underwriting approval.
How much do I need for a down payment?
Movement experts are here to guide you into the best choice to protect your financial goals and maximize the best rate of return on your investment. Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0 to 20%. There are many advantages to both small and large down payments, including income tax benefits and keeping a portion of the funds available as a financial cushion. Our Loan Officers provide guidance to our borrowers on their options and the outcomes of each.
What if I don't have a lot of money for a down payment?
Short on savings to put the standard 20% (or 15% or even 10%) down? Fear not – Movement has several low down payment loan options that your Movement loan officer can see if you qualify for.
FHA
If you’d love to buy a home but lack credit, a down payment or are unable to cover closing costs, an FHA loan may be the solution. FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.
FANNIE MAE HOMEREADY
If you’re a homebuyer with a good credit history and a stable job, but not a lot saved for a down payment, the Fannie Mae HomeReady™ mortgage may be for you. HomeReady is a fixed-rate, affordable housing program for creditworthy, low-to-moderate income borrowers.
FREDDIE MAC HOME POSSIBLE AND HOME POSSIBLE ADVANTAGE
Looking for a fixed-rate conventional loan that goes easy on the down payment requirement? Look no further than the Freddie Mac Home Possible and Home Possible Advantage mortgage options. Both are for qualified borrowers with good credit history who may have difficulty saving for a down payment.
Are there any upfront costs I should budget for? How much should I budget?
Yes. Movement Mortgage suggests a thorough conversation regarding all fees and closing costs associated with sealing the deal of your home. To avoid any last minute surprises, it is essential to plan in advance for various out of pocket costs such as an appraisal, title insurance, and other costs depending on your specific loan situation. For example, some sellers will pay for all or some of your closing costs.
What's the difference between pre-approved and pre-qualified?
A common mistake homebuyers make is assuming that getting pre-qualified is substantial enough in a busy market full of other buyers all vying for the same home. In today's market, pre-approval is the way to go. Movement's 7 Day Processing and upfront underwriting will bring our borrowers as close to a cash-transaction as they can get. This gives our borrowers an exceptionally rare advantage in the eyes of a seller, truly setting them above the rest.
What if I want to buy a house that needs some repairs?
As renovation and home improvement loans become more and more popular in today’s housing market, Movement offers products such as FHA 203k and Fannie Mae HomeStyle renovation programs to help homebuyers get one loan for both purchase and renovation costs.
A renovation loan program can:
- Help you improve or upgrade a home before move-in
- Save your loan approval by increasing the value of a worn down or neglected property
- Save you from separate financing for home purchase and the renovation costs
Can Movement help me refinance for a better mortgage rate or help me take advantage of built up equity?
Yes, Movement Mortgage can help you refinance your home if the time is right to lock in a better mortgage rate, or if you’re a longtime homeowner who would like to tap into built-up home equity.
Can I make sure my rate stays the same?
One of our most popular mortgage products is a traditional fixed rate loan. This product gives homebuyers the comfort and ease of a consistent interest rate that will not change throughout the life of their loan. A fixed rate mortgage also provides our homebuyers with better control and flexibility to budget their finances.
- Low down payment options available for qualified borrowers.
- Provides for cash-out refinances.
- Loan amounts available up to $424,100.00
- 10, 15, 20, and 30 year terms available.
I'm 62 or older. Can I capitalize on the equity in my home to become more financially independent?
Movement Mortgage is one of the nation's most trusted originators of Reverse Mortgages. We help homeowners, ages 62 and older, capitalize on the equity they've built in their homes to secure financial independence and peace of mind. The government-insured Reverse Mortgage Program allows these individuals the ability to access equity within their home, by receiving tax-free advances to spend as they choose.
Ways you can use a Reverse Mortgage:
- Meet healthcare expenses
- Remodeling or home repairs
- Reducing credit card debt
- Planning for long-term care needs
- Purchasing a second home
- Paying off an existing mortgage
What if I have more questions?
If you have more questions or are unable to find the answer to your question here, please give us a call. This is one of the biggest purchases of a lifetime, and Movement Mortgage believes in the importance of educating and arming our borrowers with as much knowledge as possible so they may comfortably and confidently purchase their dream home.
Why should I consider working with an Impact Lender?
Your choice of lender matters. We do all of the things a traditional lender does AND we give 40-50% of our profits back into our communities. You could make a difference to those around you just by working with Movement. Learn more about Impact Lending
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