At Homes by AJ Realty, we know that applying for a real estate loan or property mortgage loan can be a difficult and time consuming process. At Homes by AJ Realty, we strive make a difficult and stressful process as easy as possible for real estate shoppers, and as a result, we have researched many different methods of applying for real estate loans, and we believe that we have found the best way to do so for the consumer:

Beginning the home mortgage application process should work this way:

• the pre-application process should not cost anything and it should have no obligations
• lenders must compete for your business without it being a problem for you
• Only 1 inquiry or credit pull should be made for your credit history NOT one inquiry per offer, pulling down your credit score
• No phone calls during the application process, unless you choose to call someone to seek help
• You simply pick the best offer made by your mortgage professional online without having to speak to anyone unless you choose to do so

By choosing to work with our preferred mortgage assistance provider, you’ll receive up to 15 personalized offers for your mortgage needs from a select network of professional brokers and lenders. The greatest advantage you’ll receive is access to wholesale interest rates. By not being on the banks payroll, professional, independent brokers have access to their wholesale rates to bring in external loans. The wholesale rates offered to brokers are substantially lower than their own retail locations.

Capitalize on the best rates in the market today by having competent, professional mortgage brokers compete for your home loan business. With real estate mortgage brokers all over the country, specializing in all types of credit situations from perfect credit to bad credit, you’re sure to obtain the best rates available to you.

• One application will get you up to 15 offers for your mortgage needs. No cost and no obligation. You choose the best offer!

• No multiple credit pulls, lowering your credit score, and reducing the exposure of your personal information, one single inquiry does it all.

• No phone calls through the application process. Any questions can be addressed through our private messaging system.

• Each bid comes with a good faith estimate that will summarize your rate and closing costs for each scenario.

• Finalize your loan application with a single click. Once you select a winning bid, your broker will contact you and begin the loan process.

Brokers will not have access to your personal information such as (name, address, social security, etc). Once you select a winning bid to proceed with your mortgage needs, your name and contact information will be exchanged with your broker. Each broker bidding for your business has been verified by a state issued ID and credit card for your security.

• Only you get to view all the offers made by each broker, so each broker will give you their absolute best rates.

• Once your mortgage needs have been met you can leave a feedback for your broker.

• All information is sent via Secure socket layer with 128-bit data encryption to ensure your privacy.

The best way to start is by completing a simple, secure online “Mortgage Bids” application for your mortgage home loan. Brokers will make offers by bidding on your proposed mortgage needs online via private message system. All you need to do then is clarify any questions for your home loan through private messaging, and select the broker you wish to work with. Once you’re done, leave your broker some feedback based on your experiences. It’s fast, it’s simple, and best of all it’s completely FREE!

And, you don’t have to talk to anybody unless you want too. There may be a quick phone call to verify some information, but otherwise you will not be inundated with phone calls by a bunch of brokers pressuring you to do business with them. This system was created with the consumer in mind.