Who doesn’t love a good bargain hunt? There’s something thrilling about finding an identical item for cheaper than you originally saw. And with the advent of online shopping, it’s easier than ever to find the best deals.
So, why don’t you apply that same principal to looking for an online mortgage company? Just because you submit your information for a mortgage pre approval online doesn’t mean you’re tied to the first company you choose!
At Bison State Bank, we’re experts at helping clients just like you find the homes of their dreams, with a mortgage loan that fits their unique financial situation. Yet we still encourage people to look around and compare us to other mortgage lenders.
Learn more about why you should shop around for the right online mortgage company in this blog, or reach out to Bison State Bank’s mortgage experts and talk with us directly.
Start your search early
Before beginning your home search in earnest, you need to have some useful information at your disposal. With a mortgage pre approval, you gain a preliminary evaluation of your potential buying power and can shape your home search from there.
Submitting a pre approval application requires certain documentation, such as:
- Identification (Driver’s license or passport)
- Proof of income (Pay stubs from the last 30 days, tax forms)
- Proof of assets (Bank statements, investment account statements)
- Credit information
Once you’ve received your pre approval, you now have the foundation for your homebuying journey. With a complete picture of your financial situation, you minimize the risk of falling in love with a home that you ultimately can’t afford. And when you do find that perfect match, a mortgage pre approval online from Bison State Bank gives you a leg up when submitting your offer.
Related: Our mortgage pre approval checklist
Don’t settle with one option
Submitting all of your information to a lender understandably seems like a final step. You’ve given over all of this sensitive information once, you likely don’t want to submit your information to anyone else again any time soon.
It’s a powerful urge to accept your first loan offer or approval numbers, but shopping around with different lenders is actually an important step in your home buying process. The good news is, once you’ve submitted your information for a mortgage pre approval online, you already have access to everything you need.
And don’t worry about multiple approval applications affecting your credit score long term. When a lender requests certain financial information, like your credit report, it is known as a hard inquiry. This might have a slight effect on your credit score, but it shouldn’t be a drastic change that will affect your loan.
Why choose Bison State Bank as your online mortgage company
You may wonder why we encourage clients to play the field with their online mortgage company options. It seems counterintuitive to send people to check out our competition, right?
We do so because we truly care about our client’s success. Whether that means you receive an online mortgage from us, or you go with a competitor, as long as you’re satisfied with your loan and your choice then we’re satisfied, too.
At Bison State Bank, we truly believe in doing work with excellence, trust, integrity, accountability, and with civic responsibility in mind. That means each of our clients receives excellent service, and their needs are put before our own.
Accountability
Online mortgage lenders don’t always have the best reputation, because a few bad apples tainted the industry with dishonest tactics. Knowing exactly who to trust with an online mortgage application can be difficult.
You can be sure that we’re not concerned about our own bottom line at Bison State Bank. We do everything in our power to help you, even if it’s not the best return for us. Our responsibility is to guide you through the process.
No games. No gimmicks. No hidden fees. Our first and only goal is to provide you with the mortgage shopping experience you deserve.
Integrity
One thing that sets us apart from other online mortgage companies is our commitment to client success. As part of that commitment, we don’t charge a lender fee. We don’t believe we are successful unless we find you the best online mortgage for your individual needs.
If a certain mortgage doesn’t make sense for you, we won’t pressure you into taking it. Period.
Excellence
Our team of mortgage lenders has decades of combined experience and a passion for helping people better their lives. But we’re more than that. We’re homeowners, too.
We know what you’re going through, and we fully understand how to give your offer and home search a leg up on the competition. Our loan officers average more than 10 years of experience in the industry. In that time, they’ve helped countless clients just like you find online mortgage loans to secure their financial futures.
Meet the Bison State Bank team
Bring Bison State Bank along on your home buying journey
Buying a home is one of the biggest financial decisions of your life. It’s important to have the right team to support you throughout the process.
As a trusted online mortgage company dedicated to client satisfaction, we’ll guide you through every step of your journey. Our experienced mortgage professionals are passionate about helping our clients with their first steps toward a better future.
Unlike other online mortgage lenders, our loan officers won’t try to fit you into a loan that’s not right for your situation. We are seasoned professionals in this industry with the experience to fit each client with a tailored loan solution. The end result leaves them satisfied with their purchase and confident in their decisions.
Contact us today to see how our honesty, integrity, and experience helps with finding you the right home loans.
