Getting Started

At Mortgage Alliance - Shoreline Mortgages, Inc., we want to make your mortgage application process as simple as possible. We will ensure that you are fully prepared and aware of your eligibility before shopping around for the perfect mortgage.

To get started, set up a consultation with our experts by calling
(709) 699-5727 now.

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Get Started with Mortgage Alliance - Shoreline Mortgages, Inc.

Preliminary Steps to a Mortgage

When it comes to buying a home, applying for your mortgage is the very first step. Obtaining your mortgage involves several preliminary actions including:

  • Getting access to your credit report
  • Receiving a pre-approval
  • Being pre-qualified
  • Seeking the perfect rate

Understanding Your Credit Score

The very first step is ordering a copy of your credit score. Your bank will be able to send you this for free upon request. A potential lender will look at your credit report to help indicate your reliability as a mortgage candidate.

A healthy credit score will make lenders more likely to work with you. If you are interested in purchasing a home, it’s a good idea to practice excellent credit skills for the months and years leading up to the purchase.

What's Next:

Speak to a Consultant at Mortgage Alliance - Shoreline Mortgages, Inc. today

Speak to a Consultant

First time buyer or refinancing? Call for a free quote!

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Apply for Mortgage rates with Mortgage Alliance - Shoreline Mortgages, Inc. today

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We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

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Being Pre-Approved

A pre-approval application includes detailed information, such as:

  • Credit score
  • Existing debt
  • Income
  • Assets
  • Employment status

The pre-approval will reflect the maximum amount in which you are eligible to borrow, as well as the interest rate.

Qualifying for Your Mortgage

To qualify for a mortgage, our brokers will take into consideration your income and expenses to ensure you can afford the amount you are asking for and pay it back.

Shopping for Rates

To ensure that you are getting the very best mortgage rates, our brokers will consider all options offered by each lender, including:

  • Interest rates
  • Amortization periods
  • Mortgage terms
  • Fees
  • Payment options
  • Penalties
  • Early mortgage repayment
  • Transferring of mortgage

Our brokers are happy to help guide you through this stage of the process to help you better understand the conditions of your mortgage.

Want to find the perfect mortgage? Call (709) 699-5727 to get started.