EMM Loans

(570) 778-9293
Jeremy Frey

I am local licensed Pennsylvania Mortgage Banker in Lebanon County that specializes in FHA, USDA, VA, PHFA, and Conventional Products. Please contact me for a free Pre-Approval or questions about the mortgage process.

Purchasing A New Home

Our philosophy is to not only build loans but build relationships, and help guide you through the steps necessary to achieve a successful Real Estate Transaction

Step 1: Get Your Finances in Order

Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you. If you haven't looked at your credit reports, you might be surprised at their contents, because errors are common.

Step 2: Get Familiar with the Mortgage Industry

Finding the right loan is crucial to your home buying success. We. can help you understand what is available to suit your needs. Their help and expertise will help you make an informed decision and they will guide you throughout the entire process.

Step 3: Get Pre-Approved for a Mortgage

Do you know how much house you can afford? Probably not ! Our Pre-approval gives you that competitive edge over other house hunters. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from us that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first?

Step 4: Determine Your Wants and Needs

Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot smoother if you let us help you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses.

Step 5: Learn to Work with Real Estate Agents

Real estate agents represent buyers, sellers, or both--and in some states they can work as neutral facilitators for either party. It's essential to understand agent duties and loyalties before you make that first phone call.

NMLS# 152107