THE STAGES OF PURCHASE
There’s a lot to know when it comes to buying a home. Understanding the details of the local community, identifying the size of home, style of home and setting, and of course, organizing a budget - these are all important details to consider. Whether you’re a first time buyer, looking for a bigger house or downsizing, I’m here to help you every step of the way. My goal is to provide you with expert, caring, and candid advice throughout one of the most important transactions in your life. That is my commitment to you.
PRE-QUALIFICATION & PRE-APPROVAL
Pre-qualification can be the first step to the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimated mortgage you may afford. The whole process is quick and free.
A "pre-qual" is non-binding to the lender (because the information you provide has not been verified). It still serves as a good indicator of your general creditworthiness.
Most sellers will not accept an offer without at least a pre-approval letter. This is the next step towards your new home purchase.
There is no requirement to use the preferred lender to obtain a mortgage after you have been pre-qualified or pre-approved with the lender.
Senior Loan Originator
Home Trust Loans Financial
With over 17 years of experience in the financial services industry, Paul Arrington is equipped to assist you through the mortgage process. Paul has been in the mortgage industry for 12 years, and has spent 5 years as a Registered Investment Advisor. This blend of knowledge has allowed him to advise his clients in winning strategies that help his clientele plan for the future with the peace of mind that comes with knowing you are working with one of the best in the industry.
Whether you are Purchasing, Refinancing, Considering a Reverse Mortgage, Buying Up, or Downsizing; Paul has worked on these scenarios day in and day out for the last 17 years. It is that knowledge that Paul brings to Home Trust Financial. By working with his team at Home Trust, Paul has the ability to help you with over 30+ lending options, dedicated processing and competitive pricing.
Paul is married to Sarah and they have two children. In addition to his mortgage business, Paul also works as a pilot for a US world-class carrier. A passion of his since early in life, Paul enjoys his work and takes the same serious approach to lending as he does to flying. “I enjoy the challenges of problem solving and helping people. Communication is of utmost importance to me. I will help you through your situation and strive for a stress-free transaction. Either myself or a member of my team is available to help you 7 days a week.