Finance | Michael Harper | Berkshire Hathaway HomeServices

Preferred Lenders

Finance with Caprock Home Loans

NICK SCHUMACHER

Loan Officer
NMLS#: 1827481

📞 (214) 669-5195
✉️ Nick@caprockhl.com
🌐 www.caprockhl.com

Caprock Home Loans is a mortgage brokerage located in Prosper, TX servicing the state of Texas. We are with you throughout the entire process from application to closing. Our in-house processing team and I are built around proactive communication throughout the lending process. We work with Conventional, Jumbo, FHA, VA and USDA loans for both purchases and refinances.

As a mortgage broker, I work with multiple lenders to find the best fit for my client's situation. No two situations are the same and our ability to match the borrower with the correct lender allows us to offer some of the lowest rates in the industry while offering a great customer experience every step of the way.

We are small for a reason. Our costs are low and it allows us to offer incredible interest rates to our clients. Less overhead than our competition allows us to win on rate time and again. We are hands on. I am the resource for the client from beginning to end. We are in a people business and we put people and relationships first.

LET'S GET STARTED

Finance with Guild Mortgage

MARTY SALADIN

Sr. Loan Officer
NMLS #319959
Company NMLS #3274

📞 3143614455
📱 2144485071
📲 (636) 978-9747
📍 1120 Wolfrum Road, Suite 201, Weldon Springs, MO 63304
📍 17280 N. Outer 40 Road, Suite 101, Chesterfield, MO 63005

Marty is a loan professional with more than two decades of mortgage experience with some of the largest ﬁnancial institutions in the country, at which earned numerous awards for consistent high production and customer satisfaction. A St. Louis native, Marty called Dallas his home for over a decade while working for the Big Banks. Since coming to Guild Mortgage, Marty has observed that he has “…found an independent mortgage banking company that delivers excellent customer service and demands the best from its employees. Guild Mortgage and I share a common passion: helping people achieve their goals of homeownership in an honest and straightforward manner.” Marty is enthused to bring Guild Mortgage’s exemplary ethics and great interest rates to his adopted home state of Texas, to which he returns on industry business every few weeks.

“I’ve worked for large banks, but Guild Mortgage is the perfect size to be responsive to my client’s needs. I can get answers quickly and keep my client’s mortgages on track,” explains Marty. “Guild Mortgage is not burdened by internal bureaucracy. Everything I need to make a loan work is located all under one roof, including diligent loan processors, common-sense underwriters, and speedy closers. It’s an efﬁcient working environment you won’t ﬁnd any place else.”

Marty’s experience spans conventional, jumbo, home equity and government loan programs. “I know the mortgage process from the inside out having worked on the ‘front line’ as a loan servicer to being one of the top ﬁve producers in the entire Dallas/Ft. Worth Metroplex.”

With all the regulatory requirements and guideline changes in the current market, you should trust a seasoned pro like Marty to navigate the way. Marty and his team will show you how to feel right at home with Guild Mortgage.

LET'S GET STARTED

We Are Here to Help

If you haven’t experienced it before, the home loan process can feel overwhelming, but I 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 already have someone in mind, I partner with some of the best lenders in the industry, and I’d be happy to introduce you, so you’ll be taken care of.

Application and Processing

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.

Get Connected with My Lender Today!

WORK WITH A PROFESSIONAL

Finalize The Deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

Home Loan Process