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Find Your Perfect Lender

The process of buying a new home can be stress-filled, but it does not have to be. If you were to break the task down into more manageable sections, choosing a mortgage lender should be right at the top of the list. Here are a few tips on what to consider when looking for the right lender for you!

Start Local

In an age where just about everything can be done from your fingertips through a smartphone, there are major benefits to finding and using a local lender when buying a home. Yes, there are plenty of online services that will try to sell you on their product but having a local mortgage broker that knows your market can be very helpful. Being able to walk into an office to speak with someone face to face may help tip the scales just enough to make your payments what they need to be, so you can afford your forever home!

Do Your Homework

All lenders are not created equal. Lenders can often differ in their lending programs, mortgage rates they offer, and the lifetime of the home loan they will allow. Comparing rates and incentives is crucial when trying to decide the best option for your mortgage. Another difference may be the time a lender takes to provide you with a pre-approval letter. When trying to place an offer in a fast-paced market, having a lender that can provide you with a pre-approval letter quickly can help put you in the best position to get the house you want.

Discuss with Your Realtor

Now that you’ve done your research, set up a meeting with your real estate agent. Speaking with your agent about the lending process will allow you to gain their knowledge and previous experience with certain companies as well. While ultimately it is their job to listen to you, they may have insight on lenders they have had success with in the past. Having a relationship with a lender from previous transactions may help expedite the process and help you close on a house in the time frame that meets your needs.   


While there are many great lenders in Western North Carolina, the preferred lender for Johnson Property Group is Sonya Simpson with Cornerstone Mortgage.

“Our team is dedicated to providing homeowneres with the best mortgage experience. We listen and understand individual circumstances and help find the best option to fit your specific needs. With over 20 years of experience and a proactive approach, we look forward to guiding you every step of the way. Relax and let us do the mortgage shopping for you!”

– Sonya Simpson

Throughout the years of working with her, we have found that if there is a solution she will find it. We highly recommend her and her expertise. If you have any questions about local lenders or the mortgage process, we would love to help you.

By: Melissa Gyldstrand, Buyer Specialist


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