Our Services

The Byron Reed Team will help you through the loan process step by step providing a hassle-free home financing experience.

Selecting the mortgage that is right for you can be overwhelming. Byron Reed can help you navigate the complexity of the various loan programs to assist you in an informed and educated decision on the best financing to suit your current needs.


We will walk you through the loan process from prequalification to the closing table.

First time home-buyer

Get the support you need when thinking about buying your first home.


We can help you decide if refinancing is right for you

Debt Consolidation

Find out if you can benefit from debt consolidation.


A home purchase is one of the largest investments most people will make in their lives. It is important to have someone you trust to walk you through the steps to a successful and stressfree transaction. Byron Reed will support you and will answer your questions and assist you through the entire process.

  • Request Pre-QualificationThe first step is to request pre-qualification from Byron to determine how much you can afford before you begin house hunting. Most Realtors will require a pre-qual letter to assist in finding properties within your price range.
  • Find your homeOnce you find the house that is right for you, your real estate agent will include your letter to show the seller that your contract has a source of financing, this will assist while in negotiations. Your agent will draw up the contract and, in most cases, will add contingency to have a home inspection this is good practice and recommended.
  • Mortgage Loan ApplicationTypically, application is made when you have a ratified contract on a property. At ratified contract is when all parties involved have agreed to and signed your sales contract. Byron will help you apply for a loan and at this time you will sign your initial documents including your Intent to Proceed and be given your Loan Estimate.

(LE) provides detailed information pertaining to your specific loan transaction, including interest rates, estimated closing costs and monthly mortgage payment.

  • Processing of your fileOnce initial documents are signed your file will be sent to processing which refers to the collecting of all your financial documentation necessary to complete the file. At this time an appraisal will be order which will determine the monetary value of the property based on similar homes sold in the area.
  • File to UnderwritingThis is when verification of all of your documentation is done and also review of the property appraisal to make sure everything meets with program guidelines and requirements. Typically, more documentation may be required, it is imperative that you comply with providing the new requests in a timely fashion to avoid delays in the loan process.
  • Congratulations SettlementIf loan has been approved you will then go to settlement where you will sign final loan documentation and receive the keys to you new home!

Our Services

Need Help ?

Please feel free to contact us via phone, email, or fill out our contact form. We would be happy to answer your questions and discuss your concerns.


Contact Us

First time home buyer

As a first–time homebuyer, Byron Reed will assist you in finding the right home loan program. As you move through the process a member of his team will assist you and help navigate the homebuying process. Byron Reed and his team of experienced loan partners understand you are new to the process and are there to guide you every step of the way.

  • QuestionSince this is your first time buying a house, it is normal to have questions about the process. Byron will be available to answer your questions and make sure that you are comfortable with the process. See PURCHASING for more information
  • DocumentationApplying for a mortgage requires you to provide financial documentation that may be confusing. Your loan partner will identify what you need and make sure that you supply the correct documents. Some documents that will be needed include federal income tax records, proof of income such as pay stubs, canceled checks for rent and utilities, and bank and loan statements.
  • Loan ProgramsThere are various loan programs that are designed to help first time home buyers. Programs exist for low and no down payment, as well as for less than perfect credit. Byron is familiar with these programs and can determine if you qualify for one or more of them, then identify which one best fits your needs.


The mortgage that you took out when you bought your home may not still be appropriate for your current situation. Byron Reed can determine if refinancing is right for you and find a loan that meets your goals.

  • BenefitsThere are many benefits to refinancing your home many of those choices include lowering your monthly payment2 , shortening your loan term, using the equity3 in your home to for other purposes, or to move to fixed rate from an adjustable rate mortgage. No matter what your reasons may be, Bryon will review your options and help you decide if refinancing is right for you.
  • CostsThere will be costs when refinancing your home, but the potential benefits may make them worthwhile in the long term. When meeting with Byron he will review options and take in consideration of any pre-payment penalties that may apply and will determine if closing costs need to be paid up front or can be added to the balance of the loan.
  • Getting StartedCall today to discuss your current situation and Byron will help determine if there is a new mortgage that can meet your needs.

1. Please note by refinancing an existing loan, the total finance charges may be higher over the life of the loan.
2. Monthly mortgage payments could still increase due to an increase in property taxes, insurance, etc. expenses.
3. Equity is the current market value of your home minus the amount you owe on your mortgage. As you make timely monthly payments and the value of your home increases, so will your equity.

Debt Consolidation

Debt consolidation uses a single new loan to combine other debts with less favorable terms. If your mortgage would benefit from being refinanced, there may be advantages to consolidating your debts into your mortgage. Byron can walk through the costs and savings to determine if this is a strategy that will benefit you.


  • The savings in interest costs between a credit card and a mortgage is substantial. Because the interest rates are so high on credit cards, many people do not make progress in paying down the borrowed amount.
  • No credit card interest is tax-deductible while some mortgage interest may be deducted. This increases the difference in borrowing costs.
  • Credit cards have an open-ended payback period while a mortgage has a defined payment schedule.


  • This strategy increases the amount owed on your home and can increase your mortgage payment. Because your home is being used as collateral, you need to make sure that you can comfortably make the new loan payment.
  • Once your other debts are combined, you should avoid accumulating new debt. This defeats the purpose of debt consolidation.
  • Because the terms of mortgages are measured in years, you might be extending the time it takes to pay back your debt. If you are making progress paying down your debt, you need to compare the lower interest rate over a long time to a higher interest rate for a shorter time.

Please Note: The Byron Reed Team with Integrity Home Mortgage Corp. are not tax experts or financial advisors, please consult a tax professional and/or a financial advisor regarding the deductibility of interest and charges and to devise a strategy that works best for your situation when considering debt consolidation.

Please feel free to contact us via phone, email, or fill out our contact form. We would be happy to answer your questions and discuss your concerns.