SecurityNational Mortgage Company (SNMC), and its loan officers, are not liable for information, claims or agreements made by/between the public and third-party entities. These third-party entities may include, but are not limited to: builders, developers, or real estate agents. Even though the loan officer co-sponsoring this site makes efforts to update the information contained, much of it is provided by independent vendors and data feeds, and thus, this site may contain errors, outdated information or purchase conditions, promotions, incentives and/or possible omissions. SNMC cannot guarantee the accuracy of information provided, and we encourage buyers to complete their own due diligence in making a decision to build or purchase a home. We also suggest that you seek the professional representation/advice of a licensed Realtor®, as well as any other licensed professional that is appropriate to your purchase decision, including, but not limited to: attorney, accountant, or certified financial planner. Visitors to this site are responsible for the use and decisions made regarding the purchase of a home with regards to the information contained herein. SNMC is an Equal Housing Lender.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. SecurityNational Mortgage Co. is an Equal Opportunity Lender.

NMLS# 293784 I  Branch# 137802  I  Co. NMLS# 3116

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Learning Center

Here you can find great information about the mortgage world.

Remodeling Tips

Shopping for a new home can be equal parts exciting and daunting. But it’s just as important to make sure your current home is ready to list. Here are some tips that can help.

Make a positive first impression

Buyers often decide whether to look at your house before they even get out of the car. Little things like washing windows, repainting trim, planting flowers and fixing screens can make a big difference. For even more impact, you may want to consider larger projects like replacing siding or adding a patio or deck. The added value for these larger projects won't yield as high of a return on investment, but may help your house stand out from the rest. Weigh your options and ask your REALTOR® for advice before starting a big project.

 
Roll out the welcome mat

Make sure your entryway is inviting. Add a fresh coat of paint to your foyer or a wicker chair and table outside the door. For even more impact, replace old light fixtures and update the floor in the entryway.

Sparkle up that old bathroom

Remodeling an old bathroom can make a big impact. For very little money, you can add a new faucet to your sink, a new medicine cabinet on the wall, and even new paint or wallpaper. For a little more oomph, you can update the bathtub, add a double sink or re-tile the floor.

 
Add a second bathroom

The number of bathrooms is always a big sticking point for potential buyers, especially families with two or three children. Although adding a bathroom costs more than simply fixing up your old one, it also increases the value of your house more. Plus, having that second bathroom may help you sell your house faster.

 
Turn up the heat in the kitchen

Renovating an outdated kitchen is a great way to improve your home and its value. Focus on the basics: installing new flooring, adding a backsplash and a new coat of paint, re-facing existing cabinets, installing new counter tops, and possibly installing new appliances. These go a long way to making potential buyers feel right at home.

Moving Checklist

While this may not be a comprehensive checklist of things to do before you move, it's a start. Tasks listed here may remind you of other important details.

Four weeks prior to move
  • Invite family and friends to help you with the move.

  • Have a garage sale.

  • Donate un-needed furniture to charity.

  • Contact insurance company to transfer policies (life, auto, homeowners).

  • Contact doctors, dentists and other care providers for copies of medical records,

  • Contact schools for copies of student records.

 
Three weeks prior to move
  • Review tax deductions on moving expenses.

  • Arrange cut-off date for utility companies.

  • Request change of address kit from post office.

  • Check out voter registration information for the new area.

 
Two weeks prior to move
  • Transfer stocks, bonds, bank accounts and contents of safe deposit boxes.

  • Prepare a list of clothing and essentials that will not be packed.

  • Confirm what time family and friends should be available to help.

 
One week prior to move
  • Find or purchase boxes for the move.

  • Label all sides of boxes for easy reference later.

  • Include room identification in the labelto make the unloading process easier.

  • Label items you will need to access easily and place them in a separate area.

  • Clean out your refrigerator and let it air out at least 24 hours before moving.

  • Drain outdoor equipment: Water hoses, propane tank from BBQ grill, gas and oil from lawnmowers.

  • Properly discard aerosols, paint, oils and other flammable or toxic chemicals at your local hazardous waste center.

  • Schedule with utility companies to have utilities turned on at your new home.

  • Get snacks and water for family and friends to munch on during the move.

 
Moving day
  • Relax.

  • Remember, items packed last will be unloaded first, so if you'll need to access something right away pack it last. Definitely remember to have bathroom tissue and paper towels in a convenient place.

  • Include time for snacks, water, and food during the day for you and helpers.

  • Conduct a final review of the house, including attic, stairwells, closets, cupboards, storage, garage and behind doors.

  • If nothing else gets put away, at least set up beds in each room. After a long day of moving, you'll want a comfortable, familiar place to sleep.

Mortgage Glossary

The Loan Process

The loan process to purchase a home has many steps. The walkthrough below provides an overview of that process. We'd be more than happy to answer any questions you may have along the way.

Pre-approval - Get pre-approved for a mortgage and know in advance exactly how much payment you can afford. Completing this step will also increase your negotiating power since you'll be viewed as a "cash buyer."

Loan Search - Put yourself in the hands of an experienced mortgage professional, someone who will help you to determine which financing options best suit your needs today and in the future.

Loan Application - It's crucial to supply the lender with as much information as possible, as accurately as possible. All outstanding debts, as well as assets and income should be included.

Documentation - Paperwork supporting the application must also be submitted. Information commonly sought includes pay stubs, two years' tax returns and account statements verifying the source of the down payment, funds to close and reserves.

The Hunt - Begin shopping for a house. Once you find the right one, the terms of the sale will be negotiated, including the price and potentially the terms of the loan being sought.

Appraisal - Lenders require an appraisal on all home sales. By knowing the true value of the home, the borrower is protected from overpaying.

Title Search - This is the time when any liens against the property are discovered. A lien may have been placed on a property to ensure payment of outstanding debts by the owner. All liens must be cleared before a transaction can be completed.

Termite Inspection - While most purchase loans do not require a formal inspection for termite and water damage, some loans (especially government loans) allow for the possibility. If problems are found, repairs may be necessary.

Processor's Review - All pertinent information will be packaged by your mortgage professional and sent to the lending underwriter, including any explanations that may be needed, such as reasons for derogatory credit.

Underwriter's Review - Based on the information put together by the loan professional, the underwriter makes the final decision regarding whether a loan is approved.

Mortgage Insurance - Many lenders require private mortgage insurance when borrowers put down less than 20 percent on a loan.

Approval, Denial or Counter Offer - In order to approve a loan, the lender may ask the borrowers to put more money down to improve the debt-to-income ratio. The borrower may also need a bigger down payment if the property appraises for less than the purchase price.

Insurance - Lenders require fire and hazard insurance (often referred to as Homeowners Insurance) on the replacement value of the structure. Flood insurance will also be required if the property is located in a flood zone. In California, some lenders require earthquake insurance on condominiums.

Signing - During this step, final loan and escrow documents are signed.

Funding - At this point, the lender will send a wire or check for the amount of the loan to the title company.

Confirmation of Funding - The lender authorizes the disbursement of loan proceeds.

Closing - Documents transferring title will now be officially recorded by the County Recorder.