A fintech mortgage® is the fusion of first-in-class service with an advanced tech platform to bring speed, simplicity, and certainty to the mortgage experience.
A fintech mortgage® is the fusion of first-in-class service with an advanced tech platform to bring speed, simplicity, and certainty to the mortgage experience.
A fintech mortgage® is the fusion of first-in-class service with an advanced tech platform to bring speed, simplicity, and certainty to the mortgage experience.
We have created a simple and streamlined mortgage experience – just the way you want it. With a Fintech Mortgage®, we eliminate surprise roadblocks by spending important time at the beginning of the home loan search to understand what makes each mortgage experience unique. By combining first-in-class expertise with the latest and greatest mortgage technology, you will enjoy a seamless mortgage experience we call “The Fintech Way.”
LENDING MADE SIMPLE
A Fintech Mortgage® means partnering with mortgage experts that know howto provide solutions for thechallenges that come withthe home loan process.
TAKING CARE OF PEOPLE
A Fintech Mortgage® means partnering with mortgage experts that know howto provide solutions for thechallenges that come withthe home loan process.
TAKING CARE OF PEOPLE
A Fintech Mortgage® means partnering with mortgage experts that know howto provide solutions for thechallenges that come withthe home loan process.
Why Fintech Mortgage
We're Reinventing the Mortgage Process
From our proprietary QuickQualification tools to our first-in-class client engagement, we’re fusing speed, service, and certainty to create unmatched mortgage excellence.
At the Fintech Mortgage Association, we make saving money and achieving your financial goals simple. Whether you’re buying the home of your dreams or refin- ancing the home you’re in, we’ll show you just how simple home buying should be.
Getting Started
Our online QuickQualification tool is the mortgage industry’s best self-assessment of your ability to achieve an underwriting approval. Once you are ready to speak with someone, we connect you with a mortgage expert to evaluate your credit, income, and assets. Then we will identify the home loan programs for which you qualify. Next, we will give you a pre-approval letter to let real estate agents and sellers know that you are a serious buyer. Finally, you and your real estate agent can begin your home search.
1. Review credit, income & assets. 2. Determine loan program & pre-approval. 3. Begin home search.
Your Mortgage Application
Once you’re pre-approved, you can immediately begin a full mortgage application, or you can wait until you’ve secured a home contract. Either way, we’re here to help you move things forward on your timeline. Once you’re under contract, we’ll gather information about the property and prepare the official mortgage documents for your review and signature.
1. Identify home 2. Update and complete mortgage application 3. Review and sign mortgage documents
Mortgage Set Up
Set up is when we begin orchestrating third-party inspections, initiating searches, ordering verifications and requesting other reports to complete your mortgage application. Your dedicated fulfillment team will order the appraisal, title search, and other inspections needed for your new home. Also, we’ll obtain supplemental verifications and transcripts to support the information on your loan application.
1. Coordinate appraisal inspection. 2. Order title search. 3. Request verification, transcripts, and other reports.
Loan Processing
During processing, we compile and verify your loan file is ready for underwriting review. If something is missing, a member of your fulfillment team will try to obtain the information on your behalf or contact you to gather whatever is missing. If your loan file is complete, we wil then present your loan to underwriting for review.
Underwriters check loan submissions to make sure they meet mortgage loan guidelines. If the submission meets the guidelines, the underwriter will issue an underwriting approval. In certain instances, the submission does not meet guidelines and the underwriter will deny the loan. Once an underwriter approves a loan, he or she may have additional questions or require supplemental documents from you or various other parties to the loan. Those additional questions or documents are called “conditions”. Your fulfillment team will work with your or on your behalf to clear your loan for closing. Once the underwriter clears all conditions, the loan is “clear to close”.
1. Underwriter compares loan to guidelines. 2. Underwriter approves or denies loan. 3. Processing coordinate to clear underwriting conditions.
Mortgage Closing
Once your loan is clear to close, we’ll coordinate the closing with the title company. The title company is the settlement agent, receiving and distributing all funds, and ensuring the buyer and seller have done what they need to do for the transfer of the property. Once the title company accounts for funds and verifies all documents have been properly signed, you’ll receive the title (and the keys) to your new home. At this point, you’ve completed your home purchase.
1. Schedule closing with title company. 2. Bring funds & sign closing documents. 3. Take keys to new home.
Life is better in your own home
Fintech is the premier solutions based lender that values our clients and helps you with every step along the path to home ownership.
Buying our first home was extremely stressful, & for someone without a financial background, securing a mortgage was the most confusing part. Erik Butzek was able to boil down all the rates & acronyms into logical information we needed to make the right decision. Erik went out of his way to make sure we got the best available loan at the lowest possible rate. His service & personal attention was exceptional & beyond what we were expecting. His knowledge of the local & national market & his commitment to finding us the best rate helped us in finding our dream home. As first time home buyers, everything was new to us & the most important thing we wanted was someone we could trust. He was there for us every step of the way. He was thorough, timely, personable & most importantly, knowledgeable. He took the time to make sure we understood the entire process of closing on a mortgage & was willing to explain things until we were comfortable. He made himself available 24/7 with all of our hounding questions! We are forever grateful to Erik & will recommend him to anyone looking to buy a home.
Nikki Strathmann
Nurse
Words cannot even describe how grateful I am to Erik and Fintech mortgage! Erik bent over backwards for me and got the job done as quick as possible and explained everything to me every step of the way! I will be referring everyone I know to Erik and his team!
Tyler Bates
Server
We recently purchased our first house, it was a wonderful experience especially working with Michel Ortega and Fintech Mortgage Association. We are very grateful with him because he explained to us the whole process in details. Beside of been always available for many and many questions. We highly recommend Michel Ortega and his company. Thanks.
Mirelys Bernal
Student
"Had the privilege of partnering with Brian, Dustin, Shayna and company for many of my clients in the St. Pete/South Tampa area. I could also depend on them to be responsive to my clients and meet all deadlines per contracts for smooth home purchasing! I continue to recommend them to my clients and have no reason not to in the future."
Evan W.
Real Estate Agent
"Today I closed on an awesome house in Tampa's Old Seminole Heights neighborhood. Fintech Mortgage was with me every step of the way from pre-approval to closing. They took the time to explain the differences between FHA and Conventional loans to me, with superior knowledge of the mortgage/loan process helped me to choose the perfect loan for me and my situation."
Christine G.
5 Star Homeowner
The idea of buying a home was always an exciting one for both my fiancé and I. Getting a loan on the other hand was a terrifying prospect. Neither of us knew anything about the loan process and it was, without a doubt, the most overwhelming piece to the home buying puzzle. With that being said, we both feel spectacularly fortunate to have worked directly with Erik through this process. Knowing that we were first time home buyers, he held our hand and explained everything is great detail; we never finished a conversation without full understanding of what was happening with our loan. Additionally, he was always available to chat when we needed him. I apologized several times for bombarding him with question, but he always reaffirmed to us that he was glad that we were asking questions and encouraged us to reach out as much as we want. In the end, I think we absolutely hit a home run with our team of Erik and Brian and I can’t tell you enough how grateful we are. Thanks so much!
Andrew Richard
Works at Kforce
Fintech Mortgage Association LLC supports Equal Housing Opportunity
