Treetop Mortgage
Treetop Mortgage is a financial marketing service platform for mortgage loan lenders, brokers, and originators. We provide Loan Eligibility Services (LES) for lending institutions and mortgage loan professionals that offer financing to consumers who purchase real estate in their communities. The caveat? You must use the mortgage ready services in the city or state of your current residence.
Eligibility services are extended to primary residential mortgages, second mortgages, refinancing, debt consolidation, HELOCS, reverse mortgages, and DSCR loans. We also have preparatory services for first time home buyers, second home buyers, vacation homes, multifamily homes, and investment property.
Why are we important?
Most banks and lenders have hundreds and sometimes thousands of loan applications to process in a month or week. This means they only approve, accept, or prioritize those applicants with the best and fastest chances of closing. The ones with the highest credit scores, highest income, and lowest DTIs – Ivy League and Buyers.
The bankers and direct lenders will advertise anything to get you to submit a mortgage application and if your criteria does not meet their lending standards, they deny you with little to no explanation – Ivy League Limits. They do not educate, guide, help your mortgage file and will not remember you if you try again later. You will have to start all over just to receive another unapproved letter. When this happens to potential home buyers, their dreams can be crushed unnecessarily.
Treetop Mortgage diffuses this disappointment by assuring you become loan eligible prior to you blindly submitting a mortgage application, taking a hit on your credit score, or becoming surprisingly rejected because you were not properly prepared or informed. Treetop Mortgage does all this for you and it doesn’t cost you a thing. It’s all free of charge.
- We educate you on the lending process and loan types
- We confirm you want to start the loan origination process.
- We submit your file to the loan portal for qualification and pre-approval.
- We transfer you to the loan originator for financing and processing.
Loan Eligibility Service (LES)
Loan eligibility services are mortgage preparation assistance for consumers who want to buy a home, build a house, or use real estate to obtain a new loan or line of credit. Treetop Mortgage offers LES to ensure a consumer is eligible for a loan without risk. This prevents hard credit pulls, miscommunication, or misinformation prior to pre-qualification. LES services include Mortgage Education, Mortgage File Management, Mortgage Shopping, and Loan Advocacy.
At least 65 % of current homeowners experienced at least one of the following without LES
- Pre-qualified, but denied loan approval
- Paid too much for a down payment
- Paying an interest rate and APR that’s higher than necessary
- Making monthly payments that are higher than necessary
- Did not take at advantage of an available financial program
Mortgage Education
We help you understand, prepare, and prequalify for loans that suit your circumstance and home buying needs. We inform you of the mortgage requirements for the type of loan you need, guide you to the right resources, and assist you in the process. We have no conflict of interest because we do not lend or service the loan. We ensure your interests are met and that you are not misguided or disappointed if you do not meet the criteria of a particular lender.
Mortgage File Management
A File Manager creates your mortgage profile by reviewing your submissions, qualifying your information, and analyzing your documents to ensure their legitimacy, accuracy, and compliance. Each mortgage and property type has a different set of standards, laws, and procedures. Some states and particular lenders also have different requirements, so we make sure your information for any application is complete and sufficient. Our job is to rule you in and not to rule you out.
Mortgage Matching
We submit your data to a set of originators who are most likely to accept your application, qualify, or pre-approve the loan you need. This is important to low income or high DTI buyers, and those requiring new construction or DSCR loans. Based on the type of loan you need and your eligibility score, a loan originator will request your file.
Loan Advocacy
We talk directly to a loan originator or lender on your behalf to ensure them of the accuracy and authenticity of your information. We also confirm your intent to purchase a home or use the loan. This is very important to new home buyers or those with lower credit scores.
We Shape Your Mortgage File for the Best Loan Opportunity.
Developing a consumer’s mortgage profile to become attractive to lenders increases their approval opportunities for a loan that meets their needs. They also have time to position themselves for the lowest possible out of pocket expense.
In House Services
All loan eligibility, education, and pre-qualification services are conducted in-house with no third-party involvement. All loan qualifications, approval, processing, and closings are conducted with the assigned loan originator, broker, or lender.
Loan Education and Smart Financing
- Residential Mortgage Loans
- Second Mortgage Loans
- HELOCS
- DSCRs
- Refinance Loans
- Construction Loans
Residential Real Estate Services
- Real Estate Agents
- Primary Residence
- Frist Time Home Buyer
- Second Home
- Vacation Home
- Land Purchase
- Multifamily Housing (up to 4 units)
- New Construction Homes
Affiliate Services
Treetop Mortgage uses affiliates to provide relevant but non-mortgage services for our consumers. Our affiliates are third-party businesses or professionals with expertise in their perspective’s fields. We do not own interest in our affiliates’ ventures, but they all have been vetted for compliance, professionalism, and great customer service.
If you are registered with Treetop Mortgage, you can request services from one of our affiliates or we may refer you to one if necessary.
- Home Experts
- Realtors
- Insurers
- Credit Repairers*
- Tax Preparers*
*Credit Repair and Tax Preparation affiliates may charge service fees for their work. Most fees are standard, but be sure to confirm their rates prior to conducting any business