MortgageCare will help you choose a loan program that best accomplishes your financial objectives. Pre-approval for your mortgage is an important step, because a pre-approved buyer has the negotiating power of a cash buyer when purchasing a home.

A loan program to fit your needs:

• Better your rate on an existing loan
• Consolidate debt
• Refinance to a better program to fit your needs
• Fund home improvements
• Pull cash out of your home
• Buy a home with minimum out-of-pocket
• Finance a second home
• Purchase an investment property

You will receive:

• Quick and reliable pre-applications
• Access to online applications
• Personalized counseling and assistance
• Direct access to over 350 loan products and down payment assistance providers
• Free budgeting and credit counseling services
• Our "Client for Life" Program offers you an annual financial fitness evaluation to make sure you are in the right mortgage loan program to fit your current needs
• Evaluation and incorporation of your mortgage as part of your overall financial plan, and not just a "one-time" transaction
• Online Webinars & Workshops Available

Once you are pre-approved with MortgageCare, RealtyCare lets you search online listings of thousands of homes for sale, then connects you with a RealtyCare Realtor®. Your Realtor will show you the houses you are interested in and will negotiate on your behalf.

When you buy a home, RealtyCare provides the following services:

• We will match you with an approved Realtor® in your town or area
• Searchable online home listings
• Automatic emails of homes that match your custom profile as they hit the market
• Complimentary market analysis of the homes you are interested in
• Our Realtor®'s will negotiate on your behalf, helping you purchase the home at the best price

When you sell a home, RealtyCare provides the following services:

• Complimentary current market analysis of your home
• Reports about competing homes automatically emailed to you
• Comprehensive marketing services and MLS exposure
• Contract negotiation 

The process of buying, selling or refinancing a home can be intimidating, especially if it is your first time. LegacyCare makes it easy for you by bringing all the necessary services together in one place.

Benefits include:

• Buy a home with minimum out-of-pocket
• Discounted Processing Fee
• Free Annual Mortgage fitness analysis
• Search online for a home that's perfect for you
• Apply online for your home loan
• Annual Market Analysis Data for Tax Protests
• Referral to Top Real Estate Professionals offering a 20% discount

The Process:

This step-by-step overview of the purchasing process will give you an understanding of what to expect:

Homeownership University

Educate yourself at Homeownership University. There you can learn everything from the basics of buying a first home and understanding your credit report to advanced topics such as how to successfully invest in real estate.

MortgageCare

Your first interaction will be with our MortgageCare division. Once you have completed the Complete Loan Application, or have contacted us by phone, a member of the Mortgage Services Team will make an appointment to speak with you. If you're buying a home, you will be pre-approved for a mortgage loan, or if needed, we will provide credit counseling so that you may become a homebuyer in the future. If you are interested in refinancing, we will present you with the best options for your particular situation.

RealtyCare

You may begin using the online home search tool right away to start building a list of homes that you would like to see. After pre-approval, your MortgageCare counselor will refer you to our RealtyCare division. A LegacyCare approved Realtor will contact you and make arrangements to take you to private showings of the homes you have chosen. Your Realtor will negotiate on your behalf, helping you purchase the home at the best purchase price.

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