Welcome to Our Branch

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.

The Conventional Loan

A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.

The FHA Loan

An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

The VA Loan

Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.

The USDA Loan

The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.

Purchase Quiz

There’s no need to guess if now is the right time for you to buy a new home or refinance your current mortgage. Instead, take our simple 60-second quiz!

Education Center

We understand how stressful mortgage process can be, so we created an education center filled with information to help you better understand the ins and outs.

Are you a first-time home buyer?

That fact alone might get your best offers ignored by homeowners, but just because you’re starting from scratch doesn’t mean you should give up on the home of your dreams – and that’s where this program evens the odds!

At AnnieMac Home Mortgage, we want you to have a fair shot at owning a home your family will love. That's why we've partnered with AnnieMac Private Equity Cash2Keys to provide access to two groundbreaking programs that give both new and existing homeowners a smooth, stress-free path to your ideal homes.

Cash2Keys Logo

What People Say About Us

Reviewed by Kathleen A for Stephen Gross

Stephen was wonderful. He was organized, respectful and very professional. You could call him with any question or concern. Liz who handled all the paperwork was so patient and officiant. ...

Reviewed by John J B for Stephen Gross

Great communication!!

Reviewed by Joanne S for Stephen Gross

Your quick communication

Our Branch Manager (s)

Daniel Murphy

Branch Manager
NMLS: 223122

Our Sales Team

Stephen Kermit Gross

Mortgage Loan Originator
NMLS: 211191

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.