The best way to ensure your success is to start the home loan process at the beginning with a review of a written budget. Unlike nearly all mortgage lenders, we do not care about what our clients “qualify" for, we care about when they can “afford” to repay. Items like school tuition, hobbies and other material expenses do not factor into standard Bank Qualifications therefore you can qualify for a loan and payment much higher than you can afford to repay. We work together with you to analyze real numbers that help determine “affordability" prior to discussing “qualifications”.

We take our relationships to heart. Meeting face to face with our organized and equipped staff will relieve any doubts and assure your trust in the company to handle your loan. We’d like to take the time to talk about your goals.

Help us get a quick sense of where you are in your career, your household and how you’re doing financially. We've got a great online application you can fill out for us to review within the first 24 hours of receiving it! Or, if you can't get to a computer, you can always schedule a phone interview to get the application process started.

The streamlining of our process ensures any areas of concern are addressed prior to the underwriting process, providing a flawless closing of your new home loan. Our team will identify concerns and provide a proper resolution, preventing unnecessary surprises while we achieve your goals.

Our team members have years of experience in personal financial stability. We will provide you with beneficial information to help strengthen your application or enlighten you with ways to build a foundation, preparing you to meet the criteria required for a mortgage loan.

Our team members have years of experience in personal financial stability. We will provide you with beneficial information to help strengthen your application or enlighten you with ways to build a foundation, preparing you to meet the criteria required for a mortgage loan.

We work relentlessly for our clients, so once you’ve decided to move forward with mosaic mortgage group, we will continue to go above and beyond what you’d get at your average mortgage company. Not only will we call your agent directly, but we will be communicating with all parties involved, safeguarding and influencing a systematic process. You will also receive a personalized formal loan approval letter tailored to your desired home.

While the process may take time, we want to make sure that you understand what personal decisions should and should not take place prior to closing. Our team is always available to discuss anything that might arise in your world, which may create a delay or have an impact on the success of your closing. We want to help keep the transaction moving forward by applying our strategy to any unforeseen circumstances.

Part of the process is making sure you fully understand the details of the transaction and any costs incurred along the way. Our goal is to make sure that you feel comfortable with the costs involved and that there are no misunderstandings at the conclusion of the transaction. Having a confident client is very important to us, and providing the knowledge is one key way to fulfill our commitment to you.

As we mentioned at the beginning of the process, we like to meet face to face with our clients, so you’ll sign the closing documentation in-person. That way we can answer any questions you may have and be very efficient with your closing. We also want to insure your confidence as you finalize the transaction by educating you about things that will come next as homeowners.