a Division of American Pacific Mortgage Corporation NMLS 1850
Apply Now

Element Mortgage’s Keys On Time Program

What if we told you that we feel the traditional way of home-buying is backwards? It’s true! For many years, we witnessed and experienced the traditional home-buying experience and realized that something didn’t seem right. Then, we decided to do something about it! With our Keys On Time program, you will experience a seamless process from start to finish. Not only will it create a smoother experience for you as you purchase your home but it will also ensure that you get you close the deal and get your keys on time faster. Want to know more about this program? Keep reading to learn more about the current, traditional process and the benefits of our new way of doing business. 

The Traditional Way

There is a well-known, common process of buying a home. Each step serves an incredibly important purpose and is crucial to the process as a whole. But what if they are just in the wrong order? Currently, the home buying process generally starts with a little online shopping. As a potential home buyer, you go online, look at listings, and get a general feel for what you’re looking for. From there, you connect with a realtor. Next, you start looking for homes with your realtor. The realtor pairs their experience with your excellent taste to show your family homes that you’re sure to love. And then, out of nowhere, you find THE ONE. It’s the dream home that is perfect for your family and where you can already imagine making memories for years and years to come. 

From there, it’s all hands on deck. Suddenly, everyone is in a rush to get the financial ducks in a row because there’s no way you are going to miss out on this dream home. You likely reach out to your trusty bank to let them know that you are in the process of purchasing a home and you need a loan as soon as possible. In most instances, these loan processors at the banks aren’t necessarily motivated or in a rush to help you. They’ll send over endless amounts of paperwork that basically require you to provide everything but your DNA. You swiftly get everything over to your lender only to find out that you don’t qualify for the loan or that there’s an impossible deadline to reach in order to qualify. Suddenly, your dream home becomes someone else’s. We think this is backwards

#DontDoItBackwards

Together, we can fix it. We are happy to introduce to you this new process. It is a simple adjustment that will completely change the way you buy a home for the better. This program will ensure that you have the best home buying experience and don’t miss out on your dream home while jumping through hoops.

 

The first step, is to meet with us here at Element Mortgage. You’ll quickly notice that we will go above and beyond to do more than just pre-qualify you. We guarantee that you get your keys on time for closing. Next, we will work together to ensure that you are getting the best loan type at the best rate for your family. Once your loan is fully underwritten, it’s time to go shopping. Now you’re armed with the Keys On Time guarantee. With this guarantee, you will close within 15 days instead of 30 days and you’ll be able to compete with (and beat!) those cash offers. You’ll go in with the confidence that you need to put in an offer and never question if you’ll be able to afford the home or if your credit will be good enough. It’s time to step away from the backward, traditional way. When you go with our program, you’ll be confident, prepared, and get your keys on time!

Here are some benefits of the Keys On Time Program:

  • Allows you to write the strongest offer possible in a competitive market.
  • Provides peace of mind knowing that your mortgage has been fully underwritten. There won’t be any last-minute surprises that will jeopardize your chances of closing.
  • You’ll close escrow in as little as 12 days! This makes your offer rise above the others.
  • This process can be used for first time home buyers, move-up buyers, 2nd homes & investment properties.

This is where the guarantee comes into play! If we miss your close of escrow, we will credit you $795. When using this program, you will have a better experience from start to finish and you will have the confidence you need to put in your offer.

Stand Out Above Other Offers

As you may know, we have an extremely competitive housing market in Hawaii. Using the Keys On Time program, you are sure to stand out above the rest. Your fully-underwritten offer will come across as more prepared and more trustworthy during the offering process. What are you waiting for? Contact us to learn more about this program and to get more than just pre-approved today.

 

Element Mortgage Is Here To Help

You can never be too prepared when it comes to purchasing a home. And whether you are looking to buy, sell, refinance, lock- in a new rate, and more, Element Mortgage is here to help you with all of your mortgage needs. That is what we are here for. Here are Element Mortgage, we are Unlocking the Human Element in a Digital World! You will always work with actual people and will receive personalized attention as a result. Our clients are our number one priority. It is our goal to be your go-to resource for all things mortgage and real estate related. No matter if this is your first home, or if you have a large portfolio; we are the experts you want to work with.

During this time of uncertainty, you can count on us to help you with your mortgage loan needs. We are operating under normal business hours, and our loan officers are offering consultations over video calls. Contact us today to learn more.

Are you wondering how much your home is worth in today’s market? CLICK HERE to get your FREE, detailed home equity report now.