Paid Content by Acopia Home Loans – Home Loans Can Be Simple and their ‘Honoring Our Heroes’ Program

♪ >>> ALL RIGHT, SO WE HAVE BEEN TALKING ABOUT IT THIS AFTERNOON SO FAR WHAT IS ON YOUR CHRISTMAS LIST? FOR A LOT OF PEOPLE ON DELMARVA IT IS SIMPLY THEIR HOME OF THEIR DREAMS

>> AND THAT IS NOT OUT OF REACH BUT BEFORE YOU START LOOKING THE FIRST UP IS LANDING A HOME LOAN DON'T BE MISTAKEN THE PROCESS CAN BE SMOOTH SAILING >> AS A MATTER OF FACT, OUR NEXT GUESTS ARE HERE TO PROVE IT TO YOU

PAMELA IS THE MID ATLANTIC MANAGER WITH ACOPIA HOME LOANS AND LYNN YOUNG IS THE LOAN AORIGINATOR THANK YOU SO MUCH FOR JOINING US SO, PAMELA, THANK YOU FOR JOINING US AND WHAT WOULD YOU CONSIDER TO BE THE MOST IMPORTANT THING FOR PEOPLE TO KEEP IN MIND ABOUT TRYING TO GET THAT LOAN? >> WELL, FIRST OF ALL I WANT TO SAY THAT GETTING HOME IS NOT AS DIFFICULT OR AS ROUGH AS MOST PEOPLE THINK THAT IT IS >> YEAH >> IT IS ACTUALLY IF YOU ARE PREPARED TO MEET WITH THE LOAN OFFICER IN ADVANCE, IT IS A MUCH SMOOTHER PROCESS ALL THE WAY THROUGH

SO GETTING ALL OF YOUR DOCUMENTS TOGETHER, BEING PREPARED, AND BEING PREQUALIFIED IS THE KEY FOR HOMEOWNERSHIP >> AND LYNN, I THINK A LOT OF PEOPLE AND I KNOW A LOT OF PEOPLE WHO THINK I DON'T MAKE ENOUGH MONEY MY CREDIT IS NOT GOOD WHAT DO YOU SAY TO THOSE PEOPLE? >> WE DO A COMPLETE CONSULTATION WITH THE CUSTOMER SO YOU DEFINITELY WANT TO REACH OUT TO US

WE WILL WALK YOU THROUGH ALL OF THE STEPS NECESSARY TO ASSESS YOUR FINANCIAL SITUATION, AND WE WILL GO FROM THERE WHAT MANY PEOPLE DON'T REALIZE IS THAT THERE ARE SEVERAL PROGRAMS TO ASSIST WITH DOWN PAYMENTS, THINGS LIKE THAT, AND WE EVEN DO A BIT OF EDUCATION SUCH THAT IF THE PERSON NEEDS TO DO THINGS WITH HER CREDIT, WE CAN HELP THEM WITH THAT AS WELL >> THERE IS A LOT INVOLVED HERE BUT YOU ARE TELLING ME THAT THIS COULD BE SMOOTH SAILING? IF YOU MEET WITH THE LOAN OFFICER AND GET PREAPPROVED, WE CAN GET YOU THROUGH

THERE ARE MANY DIFFERENT LOAN OPTIONS AVAILABLE TODAY RIGHT >> SO A LOT OF PEOPLE OFTEN THINK THEY NEED A LOT OF MONEY DOWN AND HAVE A MISCONCEPTION THAT THE 20 PERCENT DOWN THERE ARE A LOT OF PROGRAMS WE OFFER WITH 100 PERCENT FINANCING AS WELL >> OH

>> AND YOU EVEN HAVE A MOBILE APP THAT PEOPLE CAN GO ON ON THEIR PHONES TO FIGURE THINGS OUT OUT THERE? >> ABSOLUTELY ON THE MOBILE APPLICATION, THEY CAN TAKE THEIR APPLICATION AND DO LOAN CALCULATIONS TO RUN WHAT THE PAYMENT WOULD BE ALL OF THOSE THINGS WILL MAKE IT EASIER FOR THE MOBILE PEOPLE OF TODAY >> THE TIMES HAVE CHANGED [LAUGHTER] >> SO, YOU HAVE SOMETHING UNIQUE AT ACOPIA

YOU HONOR OUR HEROES? >> YES WE HAVE A PROGRAM THAT WE ENJOY GIVING BACK TO THE COMMUNITY CALLED HONORING OUR HEROES IT IS A PROGRAM FOR EITHER MILITARY VETERANS, FOR FIREFIGHTERS, POLICE OFFICERS, ANYBODY IN THE MEDICAL FIELD OR EDUCATION WE OFFER CLOSING ASSISTANCE OF 25 PERCENT OF THE LOAN AMOUNT BASICALLY TOWARDS CLOSING COSTS SO FOR EXAMPLE, ON A $300,000 LOAN, WE HAVE $750,000 CREDIT TO THE CLOSING COST WHICH IS JUST ONE OF THE LITTLE WAYS TO HELP GET BACK

>> THAT IS IMPORTANT TO YOU, ISN'T IT? >> IT IS WE REALLY BELIEVE IN HELPING THE COMMUNITY AND GIVING BACK AS MUCH AS WE CAN >> THAT IS INCREDIBLE