Hello, I’m Courtney “CJ” Farrior. I’ve been in the Mortgage Industry for over a decade and I have played many roles throughout the years, including coaching and training new licensee’s here at SNMC. The experience of mentoring and teaching LO’s has given me a deep passion for making sure all of my current and potential future clients are 100% educated and cared for to the fullest. You and your best interests are my very top priority. Nothing else. I make sure my clients are completely comfortable regarding every decision in the process before ever proceeding to the next step. There are countless options out there and the mortgage industry has many complexities. It can certainly be overwhelming. Therefore, it’s important to have a seasoned professional like myself guiding you through every step of the way. You will come out of this “much feared” home buying experience with zero regret and zero concerns. I am certain of that.
Taking care of people and making them happy is what makes this profession perfect for me because caring for others is my strongest trait. When allowing me the opportunity to assist you, you’re going to get the most caring, trusting, hard-working, knowledgeable, and communicative loan professional on your side. I am always available and easy to contact to answer any and all of your questions, so please feel free to call, text or email me today. I look forward to the opportunity.
Outside of work, my entire world is my beautiful wife, two amazing daughters, and my always dependable companion’s…my dogs. I cherish every minute I get to spend doing all kinds of things with my loved ones. Creating lifelong memories with them is what makes life great.
Again, contact me anytime. Hope to hear from you soon.
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Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!