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Why it is Important to Consider Life Insurance After Buying a Home

On September 26, 2016, in Uncategorized, by admin

If something should happen to you, how much income would your current assets and life insurance provide for your loved ones? Life Insurance is designed to support your family financially, when you are no longer around to contribute. Now that you are a new home owner, it’s best to review your insurance coverage to make sure your […]

If something should happen to you, how much income would your current assets and life insurance provide for your loved ones?

Life Insurance is designed to support your family financially, when you are no longer around to contribute. Now that you are a new home owner, it’s best to review your insurance coverage to make sure your family’s protection is adequate.  Selecting the right amount and type of life insurance is one of the most important financial decisions, especially after buying a home.  Your home may be your families’ largest asset and likely your largest financial responsibility. Understanding life insurance and the value it can bring to your family can help you make informed choices about how best to protect what’s most important to you.

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Financial Security for your Family

There is no need for your family to experience undue financial hardship, and it is important to protect you and your family from the unexpected. Life insurance can help you when it comes to:

  • Income replacement; to sustain spouse and/or dependent children
  • Paying for your children’s education
  • Funds to pay off a mortgage or other debt
  • Means to cover as funeral and medical expenses
  • Liquidity for transfer of an estate

 Reaching your long-term goals

In addition to assuring your family will be financially supported and providing protection for your family, some types of insurance are also designed to help you accumulate funds to help meet long-term financial goals. For example, life insurance can help:

  • Provide funds for emergencies
  • Build wealth for heirs
  • Plan for a business transition
  • Provide supplemental income for retirement

Secure your family’s financial future by ensuring you have a life insurance policy. 

Take the Next Step

Thinking about getting life insurance, or reevaluating your current insurance policy? Coastlend Mortgage is connected to a select group of the best Financial Planners in Charleston and surrounding communities. If you would like a referral to one of the best financial planners in the Low Country, please let us know. Call us today at (843) 388-5763.

 

Purchase your home with just 1% down!

On September 22, 2016, in first time buyer, by admin

Purchase your home with just 1% down! Coastlend Mortgage Is Excited To Offer The Conventional 1% Down With Equity Boost Loan Program! How would you like to be able to purchase your your dream home with the equivalent of only ONE MONTH’S RENT? Here’s how it works: You put down 1%, your lender contributes 2%*, giving you […]

Purchase your home with just 1% down!

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Coastlend Mortgage Is Excited To Offer The Conventional 1% Down With Equity Boost Loan Program!

How would you like to be able to purchase your your dream home with the equivalent of only ONE MONTH’S RENT? Here’s how it works:

  • You put down 1%, your lender contributes 2%*, giving you 3% equity at closing
  • Great low rates
  • Close in 30 days or less
  • Conventional 30-year fixed program
  • Available with no monthly Mortgage Insurance

*2% lender contribution may only be applied to down payment

There’s NO reason to wait! Call today and get the home you’ve always wanted! 

 Call us for more details at: (843) 388-5763

Apply Now!

 

What’s Up With all of These Documents?

On September 19, 2016, in Mortgage Monday, by admin

At Coastlend Mortgage, we try to make things as simple and stress free for our clients as we can! One of the most stressful things about a mortgage, is all of the paperwork that needs to be provided in order to get you approved. Once you apply for a mortgage, we will email you a possible […]

At Coastlend Mortgage, we try to make things as simple and stress free for our clients as we can!

One of the most stressful things about a mortgage, is all of the paperwork that needs to be provided in order to get you approved. Once you apply for a mortgage, we will email you a possible list of documents that will need to be provide in order for us to process your application. If you have a cosigner, he or she should also be prepared to provide the some of the same financial documents. Having these documents already assembled will help accelerate the processing of your loan application, and get you approved! To make things as simple and as time-saving as possible, we have 3 easy ways for you to provide us your documents: 

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1. Secure Website Download: Here at Coastlend Mortgage, we use a secure website called CPA secure. This is always a safe option for you to turn in your paperwork, that is user friendly and secures all private documents that our clients upload. If this is the avenue you decide to utilize, we will make you a secure username, and send you a link through email allowing you to create a unique password. You will then be prompted to upload any and all documents that you need. 

2. Fax or Email: You can always take advantage of faxing or emailing us any of the documents that we ask for you to provide. This will make your life easier, and you will be able to upload all of your paperwork at your convenience either at your home or work. 

3. Drop off your Documents in Person:A third option for you is to come by our local office here in Charleston, SC to drop off all of your documents in person. We can make copies of the paperwork that we need. This also gives you a chance to meet your loan officer, and see face to face who will be guiding you home! 

 

 

For a full list of possible documents you will need to provide:check out this Mortgage Tip Article or call us at (843) 388-5763. We will always provide you with the best information and best mortgage rates, so that you can buy with confidence and peace of mind in South Carolina. Apply now

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