Welcome to Our Branch

To those affected by COVID-19 Dismiss

We are available to review your options with you and explain how to apply for relief. Borrowers interested in contacting AnnieMac to discuss payment assistance during the COVID19 pandemic can reach us using the options below.

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We Believe

We believe...You deserve more from the mortgage industry. We believe in the need for live, human interaction during a complex process. The kind of service and guidance which an app simply can’t provide. We believe paperwork cannot tell your whole story. Our customers are more than credit scores and income documents. They are the individuals and families who live in and strengthen our communities. Their story is our story. And that story begins in a home.

We Provide More

More Resources

From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

More Support

Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

More Solutions

Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

More Humanity

AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.

What People Say About Us

Reviewed by Anthony Parry for Ryan Kennedy

Ryan pushed hard to get everything accomplished.

Reviewed by Patsy Bradley for Ryan Kennedy

Kept in great communication—good job!

Reviewed by Alan McCullough for Ryan Kennedy

The friendliness and communication through the whole process/.

Our Branch Manager (s)

Ryan Kennedy

Sales Manager
NMLS: 1434300

Our Sales Team

Robert Kube

Mortgage Loan Originator
NMLS: 199831

Teri Pettit

Business Development Representative
NMLS: 369791

Susie Bruner

Branch Manager
NMLS:

Stages of a Loan

1

Prequalification

Your licensed mortgage originator can get you a prequalification letter that says how much house you’re qualified to buy. You’ll probably need to put together some paperwork — two years of tax returns and W-2 forms verifying your employment and income, etc. But it’s an important step, because it will make the whole process easier. Some real estate professionals won’t even show you a home without this letter.

2

Preapproval

A preapproval goes further than a prequalification and can be an enormous advantage when you’re looking for a home. It means that a mortgage lender has done a thorough examination of your finances, including your income, debts, and assets, and has determined you’re qualified to borrow a certain loan amount at a certain rate. While it’s not an actual guarantee that the lender will approve the loan, it still gives you substantial advantages when you’re shopping for a home.

You have a better idea of what kind of price range you can afford.

You have an enormous advantage over potential buyers who haven’t taken that step, because sellers and real estate agents know you’re likely to be able to make the payment, so they’ll take your offer more seriously.

3

Application

Your licensed mortgage originator will help you through the application process, much of which consists of gathering and reviewing of documents. Those documents will include:

Recent W-2s

Recent pay stubs

Recent bank statements

Your lender will provide you with a loan estimate that includes fees and closing costs, including:

Mortgage application fee

Loan origination and document preparation fee

4

Processing

Your licensed mortgage originator will organize all the paperwork and send the information to the processor, who will in turn send all the information to you so you can review it and make sure it’s accurate.

Your processor will begin processing your loan. In a nutshell, he or she will gather everything up in a neat little package to hand off to the underwriter.

While all this is happening, your property will be appraised to safeguard you against spending more on the refinance than it is worth.

5

Underwriting

Underwriting will verify all the information you provided. The underwriter is responsible for analyzing and validating your income, assets, credit history and the home appraisal. The first thing they will do is compile and review your documentation to see your full financial picture. Next, they will reconstruct your loan scenario to ensure it meets all qualification guidelines and that it is the best loan to fit your financial needs. Finally, your underwriter will take steps to verify your information is accurate and meets the ever-changing mortgage guidelines. You may be asked to provide additional documentation, depending on the requirements of your loan.

6

Closing

Once your loan has been approved, we’ll schedule your closing. This is much simpler than it was when you purchased your home, and the closing had to be done at a title company or attorney’s office. For a refinance, it can be done at your home and will only take a short while for you to sign some paperwork.