Make Your Next Move With Us!

Mortgage Loan Specialist & Branch Partner

205-994-6050

Purchase Loans

Are you ready to purchase a home? Start the loan application or pre-approval process here.

Refinance Loans

Are you ready to purchase a home? Start the loan application or pre-approval process here.

The Benchmark Way

Benchmark is one of the nation’s fastest growing mortgage companies with experienced mortgage consultants in over 80 branches nationwide.

For over 15 years, Benchmark has been setting the industry standard. We are dynamic, yet focused. We set the benchmark with our client-first commitment and core values approach as evidenced in the thousands of homeowners we have helped to achieve the dream of homeownership.

Headquartered in Dallas, Texas, we remain dedicated to finding the right loans and creating long-term relationships with our client families.

For Alabama residents, please contact our Birmingham Branch Partner, Valerie Springer at 205.994.6050.

Let Benchmark earn your business and become your ‘lifetime lender’.

Whether you are purchasing or refinancing, we are here to help You!

At Benchmark, we place our relationships above all other things—relationships come first; all other things are secondary. Our business is founded on preserving and strengthening all current and future relationships, which are the backbone of our company. Every person we choose to align with is thoughtfully and strategically selected. The Columns of Relationships are Honesty, Loyalty, Empathy, and Commitment.

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MORTGAGE FAQS

GLOSSARY

LOAN CALCULATORS

About Valerie

I love my job! Every day I have the privilege of helping people achieve their personal and financial goals. Whether they are buying their first home, upsizing, downsizing, or refinancing to save money – every client experience is a joy for me. I have built a successful mortgage business by building relationships with my clients and my preferred partners. This is my 19th year helping people find the perfect mortgage product for their needs.

There are so many different loan products available today it can be difficult to know which one is the best option for you. It is my mission to listen to your needs and goals and then help you navigate the mortgage loan process as quickly and easily as possible.

Family is everything to me and I treat my clients like they are part of my family. If you are considering purchasing a home or refinancing a home, it would be my pleasure to help you find the best product for your needs.

Close On Time, Everytime Because We Do It Right

The First Time!

At Benchmark Mortgage you are not just a number. Our company was founded on relationships. Getting a mortgage shouldn’t cause you to worry or make you stress. We want our clients to feel confident and at ease. Your loan is created based on what is communicated with your loan officer to most accurately match you with the perfect loan for you.

 We help you make smart choices by integrating your long and short term goals to minimize expense and to maximize your equity.

The Home Buying Process

1. Get Pre-Qualified and Pre-Approved

The first thing to do is to meet with a mortgage professional and get prequalified and pre-approved for a mortgage loan prior to making an offer. Many sellers will not accept an offer without a pre-qualification letter.  

 

2. Determine How Much You Can Afford

The mortgage prequalification process is essential to determine how much you can afford. When you receive a mortgage prequalification letter you know what loan amount is affordable for you and what price range to shop for homes. Now, when you find the home of your dreams you don’t have to worry about not qualifying for the mortgage amount.

3. Find Your Real Estate Agent

Once you know what mortgage amount is affordable for you, it is time to find a real estate agent. The real estate agent’s job is to represent you through the purchase process from purchase offer to closing. We are happy to provide referrals for qualified agents we have worked with in the past.

4. Finding A Home

Work with your real estate agent to determine what factors are most important for you during the home search. Make sure you are working with a highly experienced agent. Once you have submitted an offer, your real estate agent will play a crucial role in the contract negotiation process.

5. Getting a Home Inspection

A professional home inspector will inspect the home to look for deficiencies in the home you are about to buy. The inspector looks for roof damage, foundation problems and any other problems with the home that may result in expensive repair costs. 

6. Final Contract Negotiations

Some mortgage loans, such as FHA, have specific inspection requirements that have to be met. Your mortgage professional will educate you on any specific loan requirements  during the pre-approval process.  If the home inspection uncovers any deficiencies, your real estate agent will work with you to negotiate repairs or make adjustments to the original contract based to mediate repair costs. 

7. The Underwriting Process

Underwriting is the lender’s process of verifying income, assets, credit history and the value of the property. This involves reviewing bank statements, credit reports, tax returns and other documents. Remember, do not make any large purchases or open any new credit accounts without talking to your mortgage professional first.

8. Going to the Closing Table

On closing day, your mortgage professional and your real estate agent will join you at an attorney’s office or title company to close the loan. A licensed real estate attorney will walk you through the process and explain all the details contract and mortgage. When you leave, you will have keys to your new home!