Heather Hoover
Mortgage Loan Officer
NMLS1861801
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Text or Call: 219-309-8009
Preapproval Process
A mortgage pre-approval means a loan officer has looked at your finances—your income, debt, assets, and credit history—and determined how much money you can borrow, how much you could pay per month, and what your interest rate will be.
What I do as your Mortgage Loan Officer
The process of securing a loan can often be overwhelming, and my mission is to alleviate that stress by guiding clients through every step of the way. My approach is rooted in transparency, communication, and delivering results that align with the unique financial goals of each client.
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Whether a client is a first-time homebuyer, looking to refinance, or seeking to invest in real estate, I take the time to understand their specific circumstances and financial objectives. This personalized approach allows me to recommend the most suitable loan options and to provide clarity on the associated processes and requirements. This empowers my clients to make informed decisions that align with their long-term financial well-being.
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A conventional loan is not offered or secured by a government entity. Therefore, they are riskier lenders and tend to have tougher credit and income requirements.
FHA loans are insured by the federal government. They have different qualifications and credit requirements, including a lower downpayment.
Common Mortgage Loan Types
The VA loan is a $0 down mortgage option available to Veterans, Service Members and select military spouses.
A USDA loan offers considerable benefits for those wishing to purchase a home in an eligible rural area.
A reverse mortgage is a loan available to homeowners, 62 years or older, that allows them to convert part of the equity in their homes into cash.