More Choice in
Mortgage Solutions

Our mortgage loan originators help you find the right mortgage for your unique needs. Contact us to learn more about our programs!

Unlock your dream
home today.

Say goodbye to the uncertainty of contingent offers, and buy before you sell.

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$2,000 cash guarantee for
on time close.

Our pre-approvals are fully underwritten, so you can be confident we will close on time.

Refinance at little to no cost, on your timeline.

Ask us about our competitive refinancing options so we can find the best solution for you.

Get Started

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NMLS #6666

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

Before you start looking for a home to buy, it is best to meet with your Loan Officer to get pre-approved for a loan. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Loan pre-approval letter showing a loan amount of $455,000, monthly payment of $3,500, 30-year repayment term, with signature and approved stamp.

ESTIMATE YOUR MONTHLY PAYMENT

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.

Price

Annual Tax

Loan Term (Years)

Down Payment %

Interest Rate %

Monthly HOA

Monthly Insurance

Reset

$3,198.20

Estimated Monthly Payment

Principle

$2,398.20

(75.0%)

Taxes

$500.00

(15.6%)

HOA

$100.00

(3.1%)

Insurance

$200.00

(6.3%)

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Finance with

Envoy Mortgage

Alexandra Ducat

Alexandra Ducat Branch Manager - Envoy Mortgage

NMLS ID # 1856649

410-382-2092
410-382-2092
10316 Feldfarm Ln,Ste 300,Office 8 Charlotte, NC 28210

As a dedicated mortgage professional, my purpose is to fulfill your dreams of homeownership. Our company doesn't simply offer some of the most competitive rates in the mortgage industry; we provide impeccable service from start to close. I'm committed to delivering each borrower a hassle-free mortgage experience by providing breakthrough technology, transparent communication, unparalleled turn-times and, most importantly, around the clock attention to your loan. The home buying process can seem challenging, but having the right people and resources by your side can make all the difference. Contact me today to learn more!

Let's Get Started

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

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Closing

Signing and Finalizing the deal

Our in-house transaction coordinator will work closely with your closing attorney to gather any last minute documents and guide you through all of the final details. On closing day you will sign final documents, pay any remaining costs and receive your keys. Congratulations, happy homeowner!!!

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Are you buying or selling a home?

Buying

Selling

Both

When are you planning on buying a new home?

1-3 Mo

3-6 Mo

6+ Mo

Are you pre-approved for a mortgage?

Yes

Using Cash

Would you like to schedule a consultation now?

Yes

When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

When are you planning on selling your home?