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03.11.20

Guiding You Home With The Ascent Mortgage App

Considering buying a home? Summit Mortgage Corporation has news you can use. We’ve improved the home loan mortgage process to make it easier, faster, and more convenient. The key to your next home is the Ascent app, a do-all app for iOS and Android mobile devices. Far more than allowing you to apply for a mortgage, with the Ascent app you can calculate how much home you can afford, communicate with your own personal loan officer, and yes, apply for a loan. The Ascent app doesn’t replace a loan officer, but it will give you more control of the process. Using the Ascent app, you’ll have the confidence and support to make your move to buy a home.

The mortgage app powered by a human

Think all mortgage apps are the same? Think again. “The concept of the Ascent app is amazing,” in the words of Betsy Lowther, Branch Manager for Summit Mortgage Corporation. With the Ascent app, you don’t start with a download. Instead, you begin with a personal loan officer—an actual living, breathing, has a name, office, cell number, and email you can refer to at-any-time human. Best of all, you get to pick your personal loan officer. Buying a home is a big deal. You should only work with people you trust—not some anonymous loan officer of the day that was assigned to your account number. At Summit Mortgage, you are able to review a team of personal loan officers in your area and find the one that clicks with your personality. Only then will you get a link where you can download the Ascent app. When you do, it will be connected to your personal loan officer so they can support you throughout the entire process. Doing things this way means digital touch meets human touch in the best possible way.

Know what you can afford

Shopping for a home is a lot easier when you know what you can afford. Using the Ascent app calculator you can determine monthly payments before you search, so you don’t fall in love with a home that breaks the bank. While many apps have calculators, the Ascent app calculator is one of the most accurate a homebuyer can use.

 According to Lowther, “It’s the best calculator I’ve found for determining private mortgage insurance (PMI). Most homebuyers won’t have a 20% downpayment, so they really need an accurate projection of what their monthly PMI costs will be. The Ascent app calculator provides that.”

And here’s a pro-tip: no matter how much you think you can stretch your budget, always remember that the right home should never leave you in the poor house. So be smart, be honest with yourself and make sure the home fits your needs and finances.

Helping you find the best home mortgage

Not every homebuyer applies for the same type of loan. Depending on who you are, where you live and the home you want to purchase you may need to choose between a conventional loan, FHA loan, VA loan, jumbo loan, or other programs. But fear not, the decision can be an easy one. The Ascent app is your starting point for understanding which loan best applies to you. Enter the information and your personal loan officer can determine which program matches your goals. When you are backed by the Ascent app, you’re never alone in the process. Your personal loan officer is always an easy text, call, or email away to answer questions or address concerns.

Apply via the app, sign with a person or something in between

Whether you prefer to complete the loan application on your own, have it done for you or a little of both, the Ascent app is the answer. Oh, it’s also highly secure if you choose to upload or connect sensitive financial documents.

The do-it-yourselfers among home buyers love the Ascent app. It gives them everything that’s needed to select a mortgage and apply for it using their mobile device. No scheduling appointments, no going to an office, no making long phone calls. When the time is right, gather your materials, open the app, and apply. When you finish, your personal loan officer will follow up to confirm key details, discuss options and keep your loan application moving forward.

If you prefer to have a loan officer complete the forms for you, the Ascent app can do that too. When it’s time to apply, just use the app to connect with your loan officer to get the process started. No guessing, no wondering if you did it right, no worries that you forget to check a box. Just a simple, headache-free way to know your application is complete and correct.

Maybe you’re the type of person that likes to try, but also knows when they’ve hit their limit. Great, the Ascent app is perfect for you too. You can start the application process and enter as much information as you feel comfortable with. The moment you get nervous you can stop and contact your loan officer. All of your information is saved. Your loan officer can connect with the app, pull up your partially completed application and fill in the rest with you over the phone or in person. There’s no risk of doing it wrong or having to re-do everything you’ve already entered.

Stay in contact throughout the journey

Communication during the mortgage loan process is invaluable. Whether you are a first-time homebuyer or making a third, fourth or fifth purchase, staying connected with your loan officer is staying ahead.

Lowther loves the notifications sent by the Ascent app but doesn’t rely on them, “The personal relationship is everything. I want you [my customers] to know I’m on top of your application and involved every step of the way. So every time a key event happens, I connect with you personally.”

Using the Ascent app makes it easy for customers to check-in too. Lowther added, “Touching the connect button allows them to call my cell, call my office phone, text me, email me, visit my website, or get directions to my office. Whatever they like, however they prefer, it’s important to keep in touch.”

Simplify your home mortgage application

Like the perfect home, the Ascent app has everything you need in one, comfortable, secure and easy place. Take the uncertainty out of your homebuying journey by working with a personal loan officer from Summit Mortgage and the powerful Ascent app. With it, you can apply anywhere to move anywhere.

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