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Purchase a Home
The 1st Time Home Buyer
Buying a home can be an exciting yet stressful experience. Even more so if you are a first time home buyer. Being prepared is one of the best things you can do to make sure you get the home of your dreams. At Mortgage Services for Costco members, we are here to help you achieve that dream. Here are some quick tips to buying your first home:
Pre-Approval – Beginning the home shopping experience with a pre-approval from a lender helps your offer stand out and helps demonstrate you’re able to obtain the financing necessary to purchase a home. It also gives you the confidence of knowing how much you can afford and the conditions necessary to close the loan. Getting pre-approved requires you to provide documentation of your assets, debts and income so the lender can complete a review and ensure those factors, as well as the condition of your credit and employment status meet lending requirements. Once you have the pre-approval in hand you can focus on finding the right home.
Size and Layout – Many first time buyers can get caught up in the excitement of home buying and overlook aspects of the home that they end up regretting later. Make sure you know what you want, what you need, and what can live with. Remember, you are going to be in that home for a long time.
Think of the neighborhood – Take a look around the neighborhood. How safe is it? How much traffic or noise is there? Is it a good place for kids? These are just some of the things you need to think about before purchasing a home. Think both short AND long term.
Why Mortgage Services
The Mortgage Services Program has established solid relationships with a select team of preferred lenders that have committed to providing superior service, rates, and fees exclusively for Costco members. Finding the right loan may never been easier.
Members are talking
We would like to thank you for helping us in securing a loan to refinance our house. You have been tremendously helpful and patient in the entire process. We hope to use CapWest Mortgage in the future especially because of the excellent customer service provided by you. THANK YOU!!!”
- Samir V., Boston, MA, 02/2015
“I am extremely pleased with everyone that I spoke with during the process of refinancing my home. Everyone cared about me as a customer and they were there to help me! It was wonderful, I felt like a person and not just another file on a desk.”
- Kenny L., Dallas, TX, 02/2015
“I just wanted to let you know that it was a pleasure doing business with you. You answered all of our questions and concerns promptly and professionally. This loan is the most pleasant we have experienced. I attribute that to dealing with such a proficient and capable consultant. Thank you for everything.”
- Teresa R., Lawrence, MA, 03/2015
Individual results may vary.
Lender Info: PennyMac Loan Services, LLC 6101 Condor Drive Suite 200 Moorpark, California 93021
Lender Message: Who is PennyMac Loan Services, LLC?
As the #4 mortgage lender in the country, PennyMac is committed to providing its customers with superior service and competitive pricing for their purchase, refinance or cash-out borrowing needs. PennyMac helped 250,000 customers get a new loan last year, and services more than one million loans. The company offers a full menu of FHA, VA, and conventional loans to its customers. Being a direct mortgage lender with call centers in key geographical time zones means PennyMac can focus on serving customers seamlessly across the country. The company’s licensed loan officers are trained to help customers find the ideal loan for their situation and will work tirelessly to make it a reality.
Lender Info: Bank of Internet, USA 4350 La Jolla Village Dr. Suite 140 San Diego, California 92122
Lender Message: FDIC insured and publicly traded (NASDAQ:BOFI), Bank of Internet USA, A division of BofI Federal Bank offers traditional mortgage services entirely over the Internet, without making you pay for the cost of a branch network.
With Bank of Internet you get the benefits of a reliable and stable national direct lender and experienced mortgage specialist dedicated to helping you find a solution that is right for you.
We respectfully invite you to inquire about your mortgage needs so that you can experience what sets us apart from our competition.
Headquartered in San Diego, California, BofI Federal Bank has been providing service to customers throughout the United States since 2000.
Lender Info: HOMEBRIDGE FINANCIAL SERVICES INC 70 Grand Avenue River Edge, New Jersey 07661
Lender Message: Our mission has always been to simplify the mortgage lending process. So we decided our name should reflect the way we work and be simpler as well. As one of the nation’s largest privately held, non-bank lenders, our new name is simpler and easier to remember and reflects our focus on making the home mortgage process easier for customers and business partners. We’ve grown significantly since our founding in 1989 and today comprise nearly 1,300 associates, more than 70 retail branches from coast to coast, two separate wholesale operations and a rapidly developing correspondent division.
What hasn’t changed is our passion to deliver exceptional service, streamlined communication, fiscal responsibility and honest answers.
Lender Info: First Choice Loan Services One Tower Center, Floor #18 New Brunswick, New Jersey 08816
Lender Message: Established as a boutique lender, First Choice Loan Services Inc., a Berkshire Bank Company is headquartered in East Brunswick, NJ. The company currently has locations in 6 states and is exempt, licensed to lend or registered as required in almost every state. Since formed in 2009, First Choice Loan Services Inc. has more than doubled in size, now having a team of close to 500 members and producing $2.4 billion annually.
First Choice Loan Services Inc. provides a wide range of mortgage products including FHA and VA loans, fixed and adjustable rate mortgages, refinancing options, Jumbo loans, and renovation mortgages. We are an approved Seller/Servicer for Fannie Mae and Freddie Mac and a HUD-approved lender.
Through clear communication and dedicated service, our experienced mortgage professionals along with our outstanding operations team offer knowledgeable support and provide a timely, efficient and excellent loan process for our customers and referrals partners. First Choice Loan Services Inc. is committed to providing customized mortgage options that best help our homebuyers meet their specific long-term financial goals.
First Choice Loan Services Inc. is an Equal Housing Lender.
Lender Info: CapWest Home Loans is a division of HomeBridge Financial Services, Inc., one of the nation’s largest independent residential retail lenders. We approve and close loans in-house which gives us greater control over your transaction and allows us the opportunity to fund loans other lenders might deny in today’s challenging regulatory market.
As an entrepreneurial company investing heavily in technology, we are growing at a time when other lenders are shrinking and closing.
Lender Info: Umpqua Bank Home Lending 16083 SW Upper Boones Ferry Rd Ste 310 Tigard, Oregon 97224
Lender Message: Hello from Umpqua Bank, a subsidiary of Umpqua Holdings Corporation. At Umpqua, we strive to give you the service you deserve. We participate in the Mortgage Services Program for Costco members with our conventional and government home loan programs for purchase and refinance. As a full-service lender, we also offer a wide variety of purchase and refinance home loan options. Most importantly, you’ll find good people who simply want to help you get the most from your loan. Member FDIC Equal Housing Lender NMLS # 401867
Lender Info: Wyndham Capital Mortgage, Inc 6115 Park South Drive Charlotte, North Carolina 28210
Lender Message: We invest our time delivering first class service to our clients. As a result, our valued clients and friends refer their family members, friends, co-workers, neighbors and other people they know and like to us for advice on any aspect of mortgage planning. We are interested in building strong, lifelong relationships, one person at a time. Please do not keep us a secret!
Lender Info: NBKC Bank 10700 Nall Avenue Overland Park, Kansas 66211
Lender Message: NBKC Bank customers spark ideas. They give us feedback and help us create the kind of company that consistently provides an exceptional customer experience.
So, along with our competitive mortgage rates, our national ranking as a top mortgage lender* and the fact that we fund FHA, VA and conventional loans in all 50 states, we’re committed to providing an exceptional mortgage experience – every single time.
“Top 50” lender ranking by Mortgage Executive Magazine; Member FDIC Equal Housing Lender
Lender Info: Sun West Mortgage 18000 Studebaker Road, Suite 200 Cerritos, California 90703
Sun West Mortgage Company, Inc. (www.swmc.com) is a privately owned, full service, mortgage banker established in 1980. Sun West is well capitalized, has excellent liquidity, and $9 Billion+ loan servicing portfolio. Sun West is a HUD approved mortgagee (FHA & HECM), VA LAPP approved, USDA lender, Fannie Mae and Freddie Mac Seller/Servicer and Ginnie Mae Issuer. Sun West is licensed to lend in 45+ states. Sun West is a leader in HMBS securitization and is well positioned in residential and commercial MBS.
Sun West is well recognized for its stability, capitalization and technological superiority. NMLS #3277
Lender Info: J.G. Wentworth Home Lending, LLC 3350 Commission Court Woodbridge, Virginia 22192 jgwentworth.com
Lender Message: J.G. Wentworth Home Lending, LLC, a residential mortgage banking company, offers options which help our customers to make informed decisions regarding home loans. Using a common sense approach, competitive rates and attention to customer service, J.G. Wentworth delivers a refreshing home loan experience.
Lender Message: eRates Mortgage is a direct lender that has been delivering superior rates and exceptional customer service for over 20 years. As an approved seller/servicer for Fannie Mae, Freddie Mac, and a HUD and VA approved lender, we have a wide array of products to suit your needs. We leverage our experienced mortgage team with today’s technology and pass our cost savings on to you the customer. NMLS# 1071