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At SAFE, we understand that finding the perfect place to call home is more than a transaction--it's about creating a place where memories are made, and futures are built. Whether you're a first-time homebuyer eager to have your own space, or an existing homeowner looking to refinance, we'd love to be your trusted partner on that journey.

In our digital mortgage center, you'll find loads of information about our dedicated team, how our process works, and how you can connect with us. You can even start your mortgage application quickly and easily right here or check the status of your existing application. 

• Pre-qualification  - While not an approval, this gives you an estimate of how much money you could borrow to purchase a home.

• Pre-approval - A commitment from the lender to lend money to you prior to idenetifying the specific property.

• Equity - The portion of the property that you actually own through your payments, versus the portions that you still owe your mortgage lender. The longer you stay in your house and make the required payments, typically the more equity you will have.

• Closing costs - The costs of getting a mortgage in addition to the down payment. Usually 3-6% of the total loan amount. 

• Gross income - Amount you earn before taxes or payroll deductions. Gross income may include overtime commissions and dividends and come from any other sources for which steady history can be shown. 

• Escrow - An account set up on your behalf in which a portion of your monthly mortgage payment is held to pay property taxes and insurance. 

• Loan to value ratio (LTV)- A mortgage's LTV ratio describes the ratio of the value of the property to the amount of outstanding mortgage balance.

• Debt to income (DTI) ratio - The DTI ratio compares how much a borrower owes with how much they earn in a given month.