educating and informing

Helping to guide home buyers through the mortgage process

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Our Promise to You

We will always be honest with you. We will close you on time. We will communicate with you and your agent through the entire process. You will never be kept in the dark.

What People Say About Us

Client Testimonials

Troy and the team have been great to work with and have helped my family on three separate occasions from our first home to refinancing. Each time we've worked with the Legacy team we have felt respected and valued as clients. Troy and the team are excellent at steering us through with informative guidance and ease. It's a no-brainer for us that if we need brokerage services we pick up the phone and call Troy
Matt Bear

Solutions

Explore What We Are Doing Better

FHA Loan

FHA are government insured loans that are popular amongst first-time homebuyers, and you don’t need to have an exceptional credit score to qualify (the minimum is 580 to qualify for a 3.5% down payment).

Conventional Loan

A conventional loan is a mortgage that is not insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).

VA Loan

A VA loan is a mortgage program offered by the U.S. Department of Veterans Affairs (VA) through its network of lenders and approved housing institutions.

Jumbo Loan

A jumbo loan is any mortgage that exceeds the loan limit set by the Federal Government. This amount is currently $548,250 in most counties.

First Time Home Buyers

Mortgage program that is geared specifically towards low and moderate income earners who may not have the highest credit scores.

Refinance Loan

A refinance loan is a type of new mortgage that allows you to use some of the equity from your home to pay off existing debt obligations.

three steps to success

Steps to Purchasing a Home

The process of obtaining a mortgage loan can be tedious and stressful, especially when you do not have the necessary background knowledge. This simple guide will walk you through the steps in order to make your home financing a breeze.

01

Get Pre-Approved*

The first step is to get pre-qualified for a mortgage loan. There are three major factors to consider when getting a home loan, your credit score, your debt-to-income ratio, and what your budget is. Once we have these three pieces of information, we can determine how much you can afford and the best loan type for you. If you are looking at purchasing a home, we will then send a letter to your real estate agent on your behalf.

02

Gathering Up Your Documentation

The next step after being pre-qualified is to send in all your income and asset documentation. Once we have all your documents, we can change your status from pre-qualified to pre-approved. A pre-approval carries more weight than a pre-qualification when trying to get an offer accepted.

03

Finalize Your Choice of Home

After you have determined the best loan for your budget by working with Troy, it is time to decide on the home you would like to purchase. Once you have found the home of your dreams, your agent will send us the executed sales contract and the loan process begins.

*Pre-approval is based on a preliminary review of credit information provided to Fairway Independent Mortgage Corporation, which has not been reviewed by underwriting. If you have submitted verifying documentation, you have done so voluntarily. Final loan approval is subject to a full underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, income information, and a satisfactory appraisal.