Welcome to Our Branch

You Deserve More

We believe...You deserve more from the mortgage industry. We believe in the need for live, human interaction during a complex process. The kind of service and guidance which an app simply can’t provide. We believe paperwork cannot tell your whole story. Our customers are more than credit scores and income documents. They are the individuals and families who live in and strengthen our communities. Their story is our story. And that story begins in a home.

We Provide More

More Resources

From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

More Support

Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

More Solutions

Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

More Humanity

AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.

Assess Your Situation

Do you have a minute to discover if now is the right time for you to buy a new home or refinance your current mortgage? There’s no need to guess. Instead, take our simple 60-second quiz and find out for yourself!

Crunching the Numbers

If you are considering the idea of buying a home or refinancing your existing one, would you like to see what your monthly payments might look like? Our easy-to-use calculators can give you a glimpse into your future.

What People Say About Us

FLAWLESS

“If I had to describe Andy in one word it would be FLAWLESS! Andy made the process of purchasing myhome the best experience you could imagine. Andy and his team are very attentive ...

So Grateful!

“Now that things have calmed down a bit and I have moved most of my belongings into my new house, I wanted to write a note of appreciation to you for the hard work and many, many l...

I Get the Keys this Afternoon!

I’m supposed to pick up keys this afternoon from my realtor’s office. I absolutely pay the ultimate compliment of a recommendation to any of my families and friends. That bei...

Our Branch Manager (s)

Joey Barrow

Branch Manager
NMLS: 85534

Our Sales Team

Jimmy Valley

Mortgage Loan Originator
NMLS: 81137

Tyler Barrow

Mortgage Loan Originator
NMLS: 1507566

Tracy Brown

Mortgage Loan Originator
NMLS: 103068

Rick Chabala

Mortgage Loan Originator
NMLS: 106174

Nathan Crider

Mortgage Loan Originator
NMLS: 1908691

Ellis Liverman

Branch Manager
NMLS: 115121

Stages of a Loan

1

Prequalification

Your licensed mortgage originator can get you a prequalification letter that says how much house you’re qualified to buy. You’ll probably need to put together some paperwork — two years of tax returns and W-2 forms verifying your employment and income, etc. But it’s an important step, because it will make the whole process easier. Some real estate professionals won’t even show you a home without this letter.

2

Preapproval

A preapproval goes further than a prequalification and can be an enormous advantage when you’re looking for a home. It means that a mortgage lender has done a thorough examination of your finances, including your income, debts, and assets, and has determined you’re qualified to borrow a certain loan amount at a certain rate. While it’s not an actual guarantee that the lender will approve the loan, it still gives you substantial advantages when you’re shopping for a home.

You have a better idea of what kind of price range you can afford.

You have an enormous advantage over potential buyers who haven’t taken that step, because sellers and real estate agents know you’re likely to be able to make the payment, so they’ll take your offer more seriously.

3

Application

Your licensed mortgage originator will help you through the application process, much of which consists of gathering and reviewing of documents. Those documents will include:

Recent W-2s

Recent pay stubs

Recent bank statements

Your lender will provide you with a loan estimate that includes fees and closing costs, including:

Mortgage application fee

Loan origination and document preparation fee

4

Processing

Your licensed mortgage originator will organize all the paperwork and send the information to the processor, who will in turn send all the information to you so you can review it and make sure it’s accurate.

Your processor will begin processing your loan. In a nutshell, he or she will gather everything up in a neat little package to hand off to the underwriter.

While all this is happening, your property will be appraised to safeguard you against spending more on the refinance than it is worth.

5

Underwriting

Underwriting will verify all the information you provided. The underwriter is responsible for analyzing and validating your income, assets, credit history and the home appraisal. The first thing they will do is compile and review your documentation to see your full financial picture. Next, they will reconstruct your loan scenario to ensure it meets all qualification guidelines and that it is the best loan to fit your financial needs. Finally, your underwriter will take steps to verify your information is accurate and meets the ever-changing mortgage guidelines. You may be asked to provide additional documentation, depending on the requirements of your loan.

6

Closing

Once your loan has been approved, we’ll schedule your closing. This is much simpler than it was when you purchased your home, and the closing had to be done at a title company or attorney’s office. For a refinance, it can be done at your home and will only take a short while for you to sign some paperwork.