Transcend Credit Union (7/10/19)


Ange: MAGGIE HOLBROOK IS THE DIRECTOR OF SPECIALIZED LENDING FOR LIVE FIRST WARNING DOPPLER RADAR CREDIT UNION AND TODAY HE WILL WALK US THROUGH THAT ALL-IMPORTANT HOME LOAN PREAPPROVAL PROCESS. THAT’S A MOUTHFUL. GOOD TO BE HERE BECAUSE I THINK PEOPLE NEED TO KNOW THIS. HAVE THESE EXPECTATIONS SOMETIMES. WALK US THROUGH THE PREAPPROVAL PROCESS. WE TRY TO MAKE IT AS SIMPLE AS POSSIBLE. THEY CAN GO ON TO OUR WEBSITE TO FILL IT OUT. IT TAKES AS LITTLE AS 15-20 MINUTES TO FILL OUT THE APPLICATION AND YOU CAN GET A PREAPPROVAL. IT’S NICE TO KNOW WHEN I PUT THAT APPLICATION AND, IT’S BASIC INFORMATION ABOUT YOU, YOUR ADDRESS. THE FINANCIAL INFORMATION. AND THEN 1520 MINUTES YOU ARE DONE. YOU WILL KNOW IF YOU CAN BUY THE HOUSE OR NOT. Ange: IF IT’S YES, WHAT HAPPENS NEXT? YOU WILL RECEIVE THE ALL-IMPORTANT APPROVAL LETTER. WHEN YOU WALK IN, THEY NOTE YOU CAN BUY THAT HOUSE. WITH THAT APPROVAL PROCESS, IT HELPS YOU HONE IN ON WHAT YOU CAN AFFORD. WE DON’T WANT TO LOOK AT A HOUSE YOU CAN’T AFFORD AND GET ALL EXCITED AND THEN GET LETDOWN. IT LETS YOU KNOW HOW MUCH YOU CAN AFFORD TO SPEND.>>Ange: THAT REALLY DOES HELP TO KNOW THAT FOR BOTH OF YOU. SO WE’VE GOT THE APPROVAL. GOING OUT TO LOOK AT HOUSES. NOW WHAT DO WE DO. THAT’S WHEN YOU INVOLVE A REALTOR. WHEN YOU FIND THE HOUSE OF YOUR DREAMS, YOU’LL FOLLOW BACK UP WITH US AND WE’LL HELP YOU GET ON THE NEXT STEPS WHICH IS COLLECTING FINANCIAL INFORMATION AND OTHER THINGS WE WILL NEED TO GET FINAL APPROVAL. Ange: HOW LONG WILL THIS TAKE? THE INDUSTRY AVERAGE WILL TELL YOU IT’S ABOUT 45 DAYS. BUT AT TRANSCEND, WE ARE AVERAGING 24 DAYS. WE UNDERSTAND IT’S SUPER IMPORTANT FROM A REALTOR’S PERSPECTIVE AND BUYERS PERSPECTIVE, TO GET INTO THAT HOUSE SOON. YOU GET THAT EMOTIONAL ATTACHMENT, YOUR FAMILY AND FRIENDS TO SEE IT. SO IT SETS US APART FROM OTHER LENDERS. Ange: BUYERS HAVE GOT TO LOVE THAT TOO. WHAT MAKE SURE PRODUCTS ARE DIFFERENT THAT YOU SHORTEN THAT WINDOW? IT’S A LOT OF COLLECTING THE RIGHT INFORMATION UPFRONT. MAKING SURE THEY UNDERSTAND THE PROCESS AND WORKING WITH BUYERS AND BORROWERS TO COLLECT INFORMATION UPFRONT. AND WE STAY IN CONSTANT COMMUNICATION. IT’S A SHORT PROCESS. IT’S REALLY THAT MUCH TIME FOR THAT LARGE OF AN INVESTMENT. Ange: THE EVERYBODY KNOW WHERE YOU’RE LOCATED AND HOW TO MAKE AN APPOINTMENT OF WHAT THEY NEED TO DO TO MOVE FORWARD. THEY CAN GO TO OUR WEBSITE OR CALL US AT ONE OF OUR CONVENIENT NUMBERS OR STOP BY A BRANCH IN OWENSBORO. Ange: OF THE PRODUCTS YOU ALSO OFFER BECAUSE YOU JUST DON’T DO HOME LOANS. AUTO LOANS, CHECKING, SAVINGS, THE WHOLE SUITE OF PRODUCTS. Ange: CHECK WITH MATTHEW HOLBROOK AND HIS TEAM. GET THAT HOME, THAT CAR AND GET MOVING IN FAST TIME. EXACTLY, THANK YOU SO MUCH. Ange: WE WILL BE BACK WITH MORE LOCAL LIFESTYLES AFTER THIS. PLEASE STAY WITH US.

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