Trusted. Simple. Realtor®-Recommended.
First-time buyer or moving up, the process is the same: know your number, get a real preapproval, and move fast when the right house appears.
See loan optionsRefinanceLower the rate, shorten the term, or take cash out. Worth a look any time rates move or your equity changes.
Check your optionsLoan ProgramsConventional, FHA, VA, USDA, jumbo and reverse. The right program depends on your down payment, credit and plans for the home.
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NMLS #1156263
Joshua Champneys (NMLS # 1156263) is an EVP of Lending with eClick Lending. He brings eight years as a Loan Originator to the mortgage industry as well as ten years of financial services experience, having built multi-million-dollar insurance and financial services agencies.
When considering your home loans, you need a mortgage professional with the heart of a teacher, not a sales person and Joshua has a passion for educating and assisting his clients find the solution that meets their needs and long-term goals.
In addition to mortgage lending, Joshua is a facilitator of a Financial Peace University course several times throughout the year, focusing on teaching fundamental financial principles, from budgeting to debt reduction to financial planning concepts.
Call or Email Joshua today to ask any questions you might have regarding your specific home lending needs or to make an appointment.
Specialties: First time Home-buyers, FHA, VA, Conventional and Jumbo loans. Residential mortgage lending, credit verification and qualification, processing and closing home loans!
Most buyers are surprised how much of this happens before you tour a single house.
Full-service residential mortgage lending, built around the borrower rather than a single rate sheet.
Unlike a retail bank tied to one rate sheet, we compare offers across a panel of lending partners. That means more programs to fit your situation and, usually, a better rate for the same borrower.
One credit pull, compared across lenders. We look at buying points, adjusting the down payment and choosing the loan type together, rather than quoting a single number and hoping it lands.
A preapproval real estate agents trust, a clear picture of your monthly payment before you tour anything, and someone who answers the phone when an offer deadline is hours away.
A preapproval takes about fifteen minutes and costs nothing.
