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Your personal mortgage expert will support you to review and understand all your options. Aside from the real estate agent fees, additional purchase costs are usually paid only by the buyer. Depending on the federal state, the property transfer tax is between 3.5% and 6.5% of the purchase price. Under certain conditions, it is also possible to finance a property without equity. These include, for example, a very good credit rating, a very high income, and an excellent location of the property.
The mortgage approval is a binding document which certifies that your lender will support you with the funding. Once you've selected your mortgage offer, we will provide you a document checklist that shows all the required document you need to submit. Our advanced technology compares mortgage options from over 400 German lender and our mortgage experts will explain each offer. Getting a German mortgage pre-approval will help you stand out from other potential homebuyers. Obtain pre-approval to shop for the home of your dreams.
From mortgage calculator to your dream home
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation!
However, the bank will charge significantly higher interest. Anthony was great to work with and was very thorough with explaining the whole process. When you apply for a purchase loan, you also get the chance to lock in a rate for 45 days at no extra cost. We'll calculate your maximum property budget based on your income, savings, residency status and the criteria of our 750+ partner banks. Refinance your existing home in Germany to lower interest rates or cash out on your home equity. Our team of experts will find you the optimal mortgage in Germany online.
A mobile app to keep you connected throughout the loan approval process
However, German banks have different guidelines when it comes to rating the creditworthiness of applicants for a mortgage. For us to find the best mortgage for you, we need more information about you, your financial situation, and your future plans. With this information, our financing experts can explain your possible options in detail and provide a free personalized mortgage recommendation.
The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership. As the nation’s largest non-bank home loan servicer, we’re creating a better home loan experience for every homeowner we serve. Whether it’s our award-winning website, or our do-whatever-it-takes customer service team, we’re here to help you throughout your entire homeownership journey, from starter house to dream home. In your secure online account, you can easily upload your required personal, property and mortgage documents to get approved faster than traditional brokers.
Refinancing? We can help you with that, too!
You are different from the average customer, sometimes a little and sometimes a lot. My wife and I had the pleasure of being assigned to Ryan Sr. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage.
I am also providing my consent to share my personal information with third party providers for our everyday business purposes. Personal information includes but is not limited to, name, telephone number and email address. I also consent to contact via text messaging, automated dialing system regarding your inquiry or special offers and promotions even if my phone number is on a corporate, state or national Do Not Call Registry. I understand that my consent is not required as a condition of purchasing any goods or service. This German mortgage calculator is designed to help you determine the estimated amount you can get from over 750 mortgage lenders in Germany.
We will begin by asking you several key questions, which will help us determine which mortgage products could work best for you. Jon walked me thru a difficult refi of 2 properties simultaneously. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along.
Your results will vary and you may not have similar results.
ConventionalContact Cooper Mortgage, Inc. today to discuss your mortgage loan options, and find out which loan program will best suit your needs. Banks in Germany like safety and are interested in you paying back the mortgage.
I really doubt another broker could have done as well." In connection with your use of the Site, you may be made aware of services from third parties. Services are pertaining to states in which we do not lend. Lenders who offer services in these states could contact you offering services in those states. You are responsible for reviewing and understanding the terms and conditions governing any such third-party offerings. You agree that the third party, and not Smart Mortgage Centers, Inc, shall be solely responsible for all such services.
After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety. Cooper Mortgage, Inc. strives to ensure that its services are accessible to people with disabilities. Our custom optimization engine and expert advisors will help you make the optimal decision for your personal circumstances. Cover your home and your family with the ideal insurances in Germany. Search across Germany's property platforms to find the perfect property for you. Needs to review the security of your connection before proceeding.
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