At Tidewater Mortgage Services, Inc., we understand that the process of obtaining a home loan can be intimidating, so we strive to make it efficient and pleasant for everyone involved. We offer more than just the typical banking atmosphere: Tidewater Mortgage Services, Inc., number one goal is to give clients a customized product selection with a common sense approach.

Our superior customer service, which we believe is second to none, is the foundation of our philosophy. Determined to maintain a strong position in the local market, Tidewater Mortgage Services, Inc. is ready and committed to provide the best service possible to each of its clients. We are always on the cutting edge of technology and working hard to stay on top of the newest industry demands. With all of this talent under one roof, why would anyone go elsewhere? If it can be done, we can do it. Financing your dream home does not have to be a difficult and frustrating process.

A strong and genuine belief providing our clients superior mortgage solutions combined with personal service at the local level and maintaining mutually beneficial relationships is what fuels this company. While many companies are downsizing, we are growing. Our dedication to serving our clients locally is the cornerstone of our business. That is why referrals from previous customers and local real estate professionals have always delivered and will continue to deliver the majority of the our business.
Experience it today!

Tidewater Mortgage Products

CONVENTIONAL
FHA/VA/USDA
CONSTRUCTION LOANS
VHDA STATE AGENCY HOUSING LOANS
CONSTRUCTION TO PERMANENT
LESS THEN PERFECT CREDIT

A strong personal relationship with realtors is vital to successfully processing any loan. Our production staff is motivated to sustain strong one-on-one relationships with agents and their clients. Whether you are buying your first house, downsizing, or moving up in the market, we provide services to many clients in all stages of the real estate cycle. We also work directly with builders and developers to provide financing for many new homes across the state.

To speak to one of our Mortgage Consultants, please call today at 540-943-4193 or click the link below for more information.

For a Free Mortgage Approval, Click Here

www.tidewatermortgage.com

rogerwest@twmortgage.com

NMLS #196517

What To Expect At Closing

What Is Closing?
The closing of your loan is the final step in securing mortgage for your home purchase. Your foremost responsibility at closing is to review and sign several documents associated with the mortgage loan. Depending on the terms of the contract, you may also be required to pay closing costs subsequent to signing the necessary documents. This appointment usually takes about 1-2 hours to complete. Once the meeting is concluded, you will be awarded the keys to your home.

Who Will Be There?
The following are possible attendees: buyer, seller, real estate agents, attorneys, mortgage lender representative, title insurance agent, and the closing agent. The closing agent acts as the moderator or impartial administrator of the transaction.

What Documents Do I Sign?
The key documents that you will encounter:

HUD-1 Settlement Statement – a document detailing the terms of the home purchase, including the price, loan amount, fees, taxes, etc.
Truth-in-Lending (TIL) Statement – compares the loan costs with the annual percentage rate (includes any points and other costs of credit), and discloses other terms including the finance charge, amount financed, payment amount, and total payments required.
Mortgage Note – The note signifies the borrower’s obligation to pay the lender according to the agreed terms of the loan. This includes the dates and location of mortgage payments as well as penalties for violating any loan provisions.
Deed of Trust – a listing of the rights and responsibilities of both you and your lender.

Customer Testimonies

Two years ago my daughter and son-in-law were applying for a loan for their first home. Roger worked with them diligently and developed a loan package that met their exact needs. Anyone can put together a mortgage package, but it takes someone of true moral character to coach someone through a self-inflicted financial blunder. I have recommended Roger to many folks over the years and will continue to do so. ~ Ronnie.

Thank you for the superb way you handled our home loan. It would not have happened without you. You were available when ever I called. Being a first-time homebuyer, we had a lot of questions; you were there to answer them all. You did a very professional job with everything. I was really impressed with the support you gave us. You never gave up and kept on encouraging us that it was going to happen. Thank you so much. We really love our new home. I will refer anyone I know to you in the future. You're the best. ~ Debra W.

I am sending this letter in reference to a loan that I refinanced. Roger West did an exceptional job and had the skills necessary to achieve all of my mortgage needs. If I ever need any services in the future, I will not hesitate to call on Roger again. ~ Jennifer W.

Thank you for all your excellent help in obtaining our mortgage. I don’t believe that we would have been able to acquire this property without your resourcefulness and commitment. As you know, our situation was rather unique and had its own special challenges. You were instrumental in overcoming many of the issues we faced on this mortgage. You also expertly guided us through every step of the way, counseling on obtaining homeowner’s insurance, arranging the closing location, etc. Your pleasant demeanor helped soften what might have otherwise been a stressful process. We know that it was unusually time-intensive for you, but you did it with so much assurance despite having several other "balls in the air" at the same time. I would highly recommend you to anyone seeking a mortgage. Again, thank you so much! ~ Carole D.

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