Discover how 4:13 Mortgage Group can revolutionize your real estate business, providing unparalleled mortgage solutions tailored to today’s dynamic market. Our expertise in finance and real estate positions us as your strategic partner, not just a lender, enhancing your ability to att exceptional service to your clients.
Our ethos is grounded in collaboration, aiming to empower our clients with innovative financial strategies and tools. Integrity, innovation, and excellence are the pillars of our approach, ensuring we can offer flexible and reliable financing options to meet your diverse needs.
Honesty and transparency are paramount in our dealings, establishing trust and reliability.
We equip you with knowledge and solutions, enabling you to empower your clients through informed decision-making.
Our pursuit of creative, adaptable, and ethical mortgage options ensures you can meet the diverse needs of your clients.
We are dedicated to delivering superior service, setting new standards in the mortgage industry.
Working closely with real estate professionals, we strive for shared success in every transaction and client interaction.
Our goal extends beyond transactions; we aim to positively influence the real estate community and the lives of homeowners.
Tell us what you're looking for so we can match you with the perfect mortgage
We'll search for the top rates from our network of lenders in your area
Your lender will contact you shortly so you get more info or lock in your rate
Find a REALTOR
Get Pre-Approved
Home Shopping & Touring
Discuss, Write & Make Offer
Option Period: Due Diligence
Negotiate & Advocate
Final Walk-Through
Closing Appointment
Loan is Funded
Take Possession and Move In
At 4:13 Mortgage Group, we don't just sale loans; we build partnerships and celebrate milestones.
a. Establish the foundation of our partnership and acknowledge our commitment to each other.
b. Understand the client’s needs and provide insight.
c. Deliver a strategic execution plan for optimal outcomes.
* Please note that this meeting is not required but is suggested for communication purposes.
a. Assist with filling out the mortgage application (if needed).
b. Collect essential documents: W-2, Pay Check Stubs, Bank Statements, State Issued ID, etc..
a. Conduct a soft pull credit check.
b. Analyze the client's credit and financial profiles.
c. Determine the most advantageous loan options.
i. If needed or requested, a Credit Improvement Plan will be provided.
a. Execute a hard credit pull.
b. Provide an estimate of closing costs.
c. Utilize Automated Underwriting System (AUS) to obtain a Pre-Approval Status.
d. Discuss interest rate locking options.
e. Issue a Pre-Approval Letter if warranted.
a. Our Home Insight Ranking List helps with efficient property selection and simplifies the decision-making process for both buyers and Realtors®.
i. For Buyers: Receive a tailored list featuring properties with detailed financial insights, including estimated monthly payments and cash-to-close amounts.
ii. REALTORS®: Access a concise property ranking list designed to respect privacy while providing essential insights for guiding clients.
a. Submit all necessary documents for review (i.e., loan file, income verifications, executed contract, tax certificates, insurance quotes, etc.),
b. Order the Appraisal and Title Work.
c. The Client or Realtor can choose between a TBD or Traditional Underwriting Process: The Client or Realtor can choose between a TBD or Traditional Underwriting Process:
i. TBD (To-Be-Determined): Underwriting for a competitive edge begins before selecting a subject property.
ii. Traditional Underwriting: Underwriting begins after an Executed Contract is obtained (a 15 -30-day Process).
a. These documents are sent via email for electronic signatures.
i. Intent to Proceed - Sent when the initial underwriting process begins.
ii. Initial CD (Closing Disclosures) – Sent when an executed contract is received or 3 days before the closing date.
a. Clear any additional underwriting conditions.
b. Actively work to obtain a Clear-To-Close (CTC) Status.
a. We work diligently to ensure all conditions are met and compliance is confirmed.
b. Coordinate closing details for either remote or in-office appointments.
c. The Title Company reviews, balances, and finalizes the Final Closing Package.
d. Verification of Employment and Proof of Funds might be required
e. The Final CD (Cash Disclosure) is sent to all parties involved.
i. A 3-day waiting period may be required.
f. The borrower is informed of the exact amount of cash required for closing.
a. The Closing is finalized with the Title Company.
b. The Borrower(s) signs the Closing Package at the Closing Appointment.
c. The Loan is funded upon approval of the signed Close Package.
Calculate how much your monthly mortgage payment could be.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
See All Mortgage CalculatorsSchedule a consultation session to make you a Homeowner.
Do what people will not do today, so you can afford to do what people cannot afford to do tomorrow.
We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity
With 413 Mortgage Group, you're not navigating this process alone; you're equipped with knowledge and strategies to streamline the approval process.
Our commitment is to transition you into homeownership with clarity and confidence, making sure there are as few surprises along the way.