Mortgage Officer - Charles McCulloch
I have been in the financial services business for the last 6+ years helping people reduce debt, save money, process taxes, and determine proper insurance. I believe I can play an integral part helping families with their largest asset through the mortgage lending process.
Assisting you in making the right choice for you and your family, when buying a home, is my ultimate goal. I am committed to providing my Clients with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.
Our team really operates like a team. From the very first phone call until you reach the closing table you will have our team working in the trenches with you to make this the best experience you can have while buying a home.
You won’t be placed into a loan profile created by the banking industry. We use common sense and will help you obtain the best home loan possible. We have a wide range of programs and together find the loan that’s best suited for you. Not all buyers are created equal, and if by chance you are not in a position to purchase a home right now, we can advise you on how to get “Mortgage Ready”.
Our homeownership flow starts with our upfront team calling and getting as much information over the phone as possible, not sending people to an online application. Once we determine your credit worthiness you path will be easy to determine. We have an internal credit team helping make sure we get the best possible loan options with the highest credit score possible. If your credit is already strong, you’ll visit with our team to set time to exchange documents and set a time to visit over a zoom call to discuss all loan options and fees associated with each product. Once you are pre-qualified we will submit the loan documents to our internal underwriters to get a pre-approval so your offer is stronger than others you might be competing with. When you find a home, our communication will be even stronger. Once we navigate all the hurdles during the buying process, we want to celebrate with you at the closing table!
Call our team to get started in buying your next home!