IVANOVA AGENCY
PROPERTY LOANS INSURANCE
+359 878 590 063
Mortgage loans
Do you need funds to purchase a home?
Are you planning a personal loan against a mortgage?
Looking for more information about refinancing your mortgage?
The Credit Center team consists of experts with many years of extensive experience in consulting on granting and disbursing housing loans. What do you get with our specialized assistance? We provide optimal solutions by providing you with access to comparative offers from major banking institutions in the country. Our specialists take care of the smooth running of the process and the preparation for obtaining a mortgage loan, and then - for the disbursement of the funds granted. As our client, you will receive preferential conditions from the selected credit institution.
What are the mortgage solutions?
Targeted mortgage loans
Housing loan
for the purchase of a finished or under construction real estate
Loan for repairs and finishing works
for repairs
Construction loan
for a single-family house on land owned by the clients
Loan to refinance another mortgage loan
refinancing
Non-targeted mortgage loans
Non-targeted mortgage loans – funds are provided based on a mortgage on real estate without specifying their purpose
What are the steps in applying for mortgage approval?
If you have already decided to seek financing through mortgage loans, trust us. We will monitor the process closely and inform you about the upcoming phases. We will prepare the entire package of necessary documents so that you can smoothly go through each step of applying and disbursing the amount. What else do we offer you?
Once you have made a final decision on which specific bank to target, our team will submit an application for pre-approval for a home loan.
Together we will discuss every specific detail about your budget. This will allow us to provide you with a detailed estimate of the maximum amount that banks would lend you. This will further guide you in which price category of properties you could target.
The next stage is to assist you in preparing the necessary market valuation of the property you desire, as well as in completing and submitting the necessary documentation to the selected credit institution.
We are committed to providing you with detailed information on all the specifics and details. This is necessary to ensure proper and complete documentation that will be needed in the housing loan application process.
Preparing a legal opinion, which initiates the procedure for final approval of the amount needed to purchase the home, is the next step.
After finding your dream property, we will help you decide which bank with the best terms to approach. From here, our experts will take over the management of all mortgage application and approval procedures.
After receiving final approval, a contract is signed with the bank and the transaction is recorded before a notary.
The final step is the registration of the transaction and the certification of the established mortgage. This occurs by providing a certificate of encumbrances on the property, which reflects the mortgage and the sale. The last stage is the release of funds by the bank to the account you specified.
What do you need to know in advance about granting housing loans?
We recommend that you contact our experts before you even start looking for a new property. The goal here is for our loan consultants to guide you to a realistic price range for your budget and the appropriate parameters to focus on. This preliminary step saves a lot of time for anyone interested in purchasing a home.
When are additional details on mortgage loans specified?
Have you already found the perfect property? Now is the time to meet with our specialist again. The purpose of this meeting is to once again make a detailed review and summary of the information collected during our first introductory meeting. The idea is to look at the fine, small details about the options and policies of your preferred credit institution. This is necessary to guarantee you a smooth and hassle-free process from now on.
Why should you turn to CreditCenter for a housing loan?
You gain experienced allies with long-standing experience in applying for a loan. Our team maintains good, professional relationships with all reputable banks. We are committed to holding regular conversations with the employees on whom the granting of mortgage loans depends. This way, we will save you from unpleasant surprises and guarantee a smooth process.
What sets us apart from other credit consultants?
We maintain direct contact with both bank employees and your chosen broker during the negotiations and throughout the entire procedure until its final completion. The standard practice in the credit consulting market is for consultants to be with clients only until they receive an offer. Not us! CreditCenter works together with you until the successful conclusion of the deal
The banks we work with
What are the conditions I must meet for a mortgage loan?
To purchase a home with an approved mortgage loan, you need:
Have a permanent employment contract or other regular secure income;
Your income must be sufficient to pay the monthly loan installments;
If you have other existing loans, obligations or leases, the payments on the new loan and on them must correspond to your income;
You should not have irregularly serviced credit in the last five years (or pure CCR);
You need to have sufficient available funds to provide a down payment on the property purchase and to have funds for the mortgage and transaction costs.
Our calculators will help you navigate the different options, taking into account your needs and income.
Our free credit consultation is the optimal and safest option for precisely determining your chances of obtaining a mortgage loan.
Our services are 100% free! From the first click on our website to receiving the keys to your new home, you don't owe a penny to CreditCenter!