We love our clients and it shows – We are proud to have over 150 ⭐⭐⭐⭐⭐ Google reviews!
Foundation mortgage got us everything we needed. They got us under budget and got us in the house we wanted quickly! They got us 8k under our previous loan officer... read more with another company! Josh Travis was very thorough and made sure all of the information was in our hands and put our mind at ease. Josh had a great hospitality and made sure we were well informed! Highly recommend Josh! Great experience for us!
Foundation mortgage was a perfect company, very thorough Josh Travis is who We recommend. Very efficient all questions answered.
Hannah Blevins and the team worked on the mortgage and closing like a well oiled machine, exceeding my expectations. They found me a mortgage solution that was outstanding & perfect... read more for me. They told me 30 days and yesterday I did the closing documents. The interest rate they got me is so good!
We have had the pleasure of working with Hannah throughout our entire home buying process. Deciding on which loan to pursue is a big decision. Hannah has always been upfront... read more and honest about loans and expectations. Hannah has never pressured us into which loan to choose or even going through with a mortgage in the first place. She always brings the details to the table and leads us in whichever direction we choose. We have finally found a home that we love and hope to close on at the end of March. I couldn't imagine not having Hannah throughout this entire process. I'm grateful she is the one who is guiding us as we purchase our first home. Hannah's expertise and motivated attitude has made us feel more confident during this process. Any time we have spoken to anyone at Foundation Mortgage they have been a pleasure to deal with. Needless to say, they have a fantastic team!
Great work , and easy to work with them
10/10 recommend using Lorie Wilson for all of your lending needs! ❤️
Lorie Wilson is the absolute best!! HIGHLY recommend!! The home buying process can be so stressful, but she helped every step of the way. She is very knowledgeable about everything,... read more and made the entire process as easy as possible!!
Hannah Blevins was such a huge help in our home buying process, we would have been so lost without her financial guidance. She helped us figure out the price range... read more of houses we could afford and came up with the perfect offer that helped us get our dream home! She was always available and responded immediately whenever I had questions. Her guidance made the home buying process feel a lot less intimidating for me as a first time homebuyer. Sometimes I felt like I had silly questions, but she was so friendly and helpful when responding to all of questions. I will recommend Hannah’s service to any family and friends of mine that are about to start the home buying process. I would also like to thank Jeremy Galbraith for this help when it came to gathering documents!
We worked with Bryan on our mortgage. We met him by attending one of his first time homebuyer classes earlier this year. And when it was time for us to... read more buy, we contacted him right away. He met with us promptly and we started the process very fast. We got preapproved and into our home within 2 1/2 months of starting the process initially. It went very fast for us which is what we wanted but we never expected it to go that fast. It was definitely a blessing. Any challenge that we met along the way, Bryan helped us through it and we found a way around it. Bryan is very knowledgeable on everything that comes with buying a home. And he answered all of our questions. It felt like we had some challenges with getting a response sometimes, or sometimes feeling like we’re getting different information from him and his team. Especially his assistant, Bo, I honestly never really felt confident after she would give me an answer about something. And I always felt like I needed to check with Bryan and ask him the same question to get the real answer. But overall, we got into our dream home, and he made it happen for us. That’s all that matters to us.
Foundation mortgage got us everything we needed. They got us under budget and got us in the house we wanted quickly! They got us 8k under our previous loan officer... read more with another company! Josh Travis was very thorough and made sure all of the information was in our hands and put our mind at ease. Josh had a great hospitality and made sure we were well informed! Highly recommend Josh! Great experience for us!
Foundation mortgage was a perfect company, very thorough Josh Travis is who We recommend. Very efficient all questions answered.
Hannah Blevins and the team worked on the mortgage and closing like a well oiled machine, exceeding my expectations. They found me a mortgage solution that was outstanding & perfect... read more for me. They told me 30 days and yesterday I did the closing documents. The interest rate they got me is so good!
I work with Hanna, and we almost called the whole purchase off just based on Hanna. If we questioned her on anything in regard to the loan, Hanna would... read more be very defensive and rude. After we complained to the dealer we were getting tiny house, decided to tell us then we were not the only people who complained about her. I am sure there are better loan officers just not her.
We have had the pleasure of working with Hannah throughout our entire home buying process. Deciding on which loan to pursue is a big decision. Hannah has always been upfront... read more and honest about loans and expectations. Hannah has never pressured us into which loan to choose or even going through with a mortgage in the first place. She always brings the details to the table and leads us in whichever direction we choose. We have finally found a home that we love and hope to close on at the end of March. I couldn't imagine not having Hannah throughout this entire process. I'm grateful she is the one who is guiding us as we purchase our first home. Hannah's expertise and motivated attitude has made us feel more confident during this process. Any time we have spoken to anyone at Foundation Mortgage they have been a pleasure to deal with. Needless to say, they have a fantastic team!
Meet the Team at Foundation Mortgage
Loan Officer | NMLS: 1900227 | TN, NC, SC, AL, FL
Use our free calculator tools to see your ideal monthly payment or to see what loan options are available to you.
Overview of the process for buying or refinancing with Foundation Mortgage
The first step in securing a home loan is to fill out a loan application. Depending on what works best for you, you can either complete the application online or meet face-to-face with one of our loan officers. Once the application is completed, the loan officer will discuss your overall financial goals and then provide you with loan program options. Your loan program options are determined by many variables including;
The loan officer’s goal is to clearly document your financial qualifications for the loan which you have applied. In order to achieve this, the loan officer will ask you to provide some documentation that supports your income and assets such as:
Once the documentation has been gathered, we will then verify your employment history and assets. We will also obtain your credit report, order the preliminary title report from the title company, and order your property appraisal. Once this information is returned to us, we will submit the file to the underwriter for approval.
The Underwriter is responsible for ensuring that your loan file meets the qualifying guidelines. During their review, it is not uncommon for the underwriter to ask for additional documentation and/or clarification on different areas of the file. These are called “conditions”.
Your loan may be approved as submitted, approved with conditions, or a counteroffer may be made for your consideration. If there are conditions to the loan approval, your loan officer will work with you to satisfy these conditions. Examples of conditions may include explanation letters, copies of financial documents, divorce papers, or any number of items that will clarify your qualifications for the loan.
After the loan conditions are met (if any), the necessary loan documents are prepared for closing. The lender will prepare the necessary documents to be signed by you. Your escrow officer or attorney will arrange for an appointment with you when the loan papers are ready to be signed.
We work alongside the closing attorney to assemble the final paperwork and confirm the total funds needed for the closing day. Everything we do leading up to this point ensures that the closing table is a smooth and exciting experience. Now, enjoy the moment as you receive the keys to your new home.
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