Buying a home is an exciting and sometimes stressful undertaking. Graves-Owens Lending will help keep your mortgage transaction as smooth and seamless as possible. Darren Graves and Mike Owens bring over 17 years of experience in residential mortgage lending to your assistance; and as a mortgage bank (as opposed to a broker) we have much more control over all aspects of the lending process than many of our competitors can offer.
At Graves-Owens Lending we have structured our core competencies as:
Flexibilty
In-house services:
Underwriting – our underwriters reside here in the metro and they have an understanding of loan programs that are valuable to our market. And as importantly, they have a realistic view of local values -- we haven’t had issues with our appraisals being cut in value. Our underwriters work for us and with us, their goal is to assist us in getting your loan approved – not to find reasons to decline your loan.
Processing – your loan will be processed in our office where we have access to all of your pertinent information.
Loan Documents – we avoid delays by preparing our own closing documents.
We offer a variety of programs:
Conventional
FHA (downpayment assistance programs are available)
VA – 100% financing
Section 184 (Native American) Loans
Rural Development Loans – 100% financing
Additional “Community” Programs
Professionalism
We understand the effort it takes to maintain a superb reputation:
Communication – we provide frequent loan status updates, and we communicate any potential obstacles immediately.
Convenience – we have set our company up to operate on your terms. You can apply for your loan through our state-of-the-art website, you can even sign your loan application online and fax or email any of your supporting documentation to us -- the entire process can be completed on your schedule.
Accountability – ask about our “close-on-time” guarantee.
Graves-Owens Lending is pleased to be affiliated with Steve Owens Insurance Group – allowing us to offer competitive insurance rates through a well-respected local company.
