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We Make Buying Or Refinancing A Home Fast & Easy

16 Days Average Close*

No Complicated Paperwork

Competitive Rates

Home Loan Options

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Mortgage Calculator

Use our home loan calculator to estimate your mortgage payment, with taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan to calculate your mortgage payment breakdown.

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3%

1%

2.5%

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$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

The Home Loan Process

Apply

Our simple mortgage loan application takes about 5 minutes to complete.

Pre-approval

Once you complete the mortgage loan application, one of our senior loan officers will go over loan options with you and can issue you a pre-approval letter within a couple hours of application.

Home Search Begin

With your pre-approval letter, your ready to find your next dream home. We will work with your realtor to help you get the best scenarios on a potential home.

Closing

Once your Realtor gets you under contract, our team will work diligently to get you to the closing table as quickly as possible.

Owning a Home Just Makes Sense

The recent rises in asking prices has been outpacing the increases in rents, but home buying still may make more financial sense, a new study shows. Owning a house was found to be 44 percent cheaper than renting, according to the latest study from Trulia that compared the costs of the two. 

The study found that owning is less than half the cost of renting in 46 of the 100 largest metros. “Buying a home is cheaper than renting in all of the 100 largest metro areas,” according to Trulia.

Falling mortgage rates are helping to keep home buying more affordable. But depending on where you live, the difference between owning versus renting can be big or small. For example, in San Francisco, home ownership was found to be 19 percent cheaper than renting, whereas in Detroit owning a house is 70 percent cheaper than renting. Source- Realtor Magazine

FAQ

Here are some commonly asked questions.

You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?

Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.

Your pre-approval is an essential tool when house shopping, because it…

  • Determines what homes are in your price range
  • Assures real estate brokers and sellers that you are a qualified buyer
  • Can be used to your advantage in future negotiations

A fixed rate loan offers a fixed term (for example, 15 or 30 years) as well as a fixed interest rate, so the monthly amount for the payment of principal and interest will not change during the term of the mortgage. However, your monthly mortgage payment may also include interest, taxes and insurance. While your principal and interest amounts will not change, the amount needed for taxes and insurance may.

PMI or Private Mortgage Insurance is provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults.  It can make a big difference in how quickly your mortgage loan is approved and how much money you spend on a down payment. It is required if the loan amount is more than 80% of the home’s value.

Our goal is to have your loan ready for closing as soon as possible! Generally the items that take the longest to receive are things such as the appraisal and the title work and the conditions that you need to provide us with. We’ll want to get the appraisal and title work ordered as soon as possible to avoid any delays. If you are purchasing a new home, we’ll do our best to meet the date you and the seller have agreed upon.

 

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What Our Home Owners Have To Say

" I bought my first home and at first I was a bit nervous. I didn't have a lot of money to put down. CCG was able to get me some down payment assistance and simplified the entire process."
Kelvin .
Tampa FL
5/5
" My representive, Andrew, was very professional. It was the biggest finanical purchase of my entir life and i didnt thing it was going to be this easy."
Kelsi C.
Fort Laudedale FL
5/5
"When me & my wife started the application for the the refinance loan everyone was very helpful and walk me through all of the process. Everyone were very helpful and I learned a lot."
black and white, people, couple
Frank & Joanne J.
Miami FL
5/5
" We needed to get a home because I was tired of renting. My wife was almost ready to give birth and I wanted to welcome my child into a home. Clearwater really took a load of my should. I am grateful for them because I was able to get into my new home within 3 weeks".
people, happy, happiness
Jack & Marsha B.
Boynton Beach FL
5/5