Your Sense of Urgency Team
Team SOFU Powered by Benchmark Mission
Our Mission: To Provide You the Tools to Grow Your Wealth Using Mortgage
10+
Years Of Experience
500+
Mortgages Closed
250+
Loan Programs
1
Team SOFU
WHY CHOOSE US
What We Have to Offer
We offer personalized solutions tailored to your unique needs, providing exceptional service, expert advice, and a smooth homebuying process from start to finish.
Delivering A Great Customer Experience
We prioritize delivering an exceptional customer experience, going above and beyond to exceed your expectations and ensure your satisfaction every step of the way.
Refinancing Your Home No Doubt About Anything
Refinance your home with confidence, leaving no doubt behind, as we guide you through the process seamlessly, providing clarity and peace of mind.
Have Superior Power To Unlock the Most Out of Today’s Rate
Harness the superior power to unlock today's best rates, empowering you to seize the opportunity and make the most of your financial endeavors.
Work Alongside One of the Top Producing Loan Officers
Achieve success by partnering with a top producing loan officer, benefiting from their expertise and commitment for a rewarding lending experience.
We Work with The Best Wealth Advisors and Financial Planners
Achieve financial success with the guidance of our top-tier wealth advisors and financial planners, ensuring personalized strategies to reach your goals.
The Best Solution For Buying & Selling a Home
Unleash the ideal solution for buying and selling homes, delivering expert guidance to achieve your real estate goals with confidence.
Mortgage Pre-Approval
Unlock your dream home with a mortgage pre-approval—discover your maximum loan amount and seize the opportunity to buy with confidence.
Lock in Your Rate
Take control of your financial future with an interest rate lock, ensuring a stable and fixed mortgage rate as you embark on your homebuying journey.
Find Your Home
Find your dream home effortlessly with our expert guidance and comprehensive resources, ensuring a seamless homebuying experience.
What's The Next Step?
Interested in How Much You Could Qualify For?
Start your mortgage application through Team SOFU Powered by Benchmark and find out what you can afford, what are the best moves for you, and how to start building your wealth using mortgage!
Ready to Get Started?
Visit our application page to get started on your homebuying process
Lock in your rate early in a highly volatile market
Start Building Equity and Wealth
Capitalize on Real Estate Opportunities
Enjoy the pride and freedom of owning a home
Roadmap for Success
Create a roadmap for success by setting clear goals, developing a strategic plan, and taking consistent action, empowering you to achieve your desired outcomes.
We Make Sure You Have the Best Options
Ensure you have access to the best options available by conducting thorough research, seeking expert advice, and carefully evaluating choices to make informed decisions.
Have the Confidence You are Making th Best Decision
Decide with confidence, armed with comprehensive information and trusted guidance, ensuring the best choice for your needs.
OUR TEAM
Meet The Team
Christopher C. Miller
Senior Loan Officer and Founder
United States Army Veteran
NMLS# 1009092
Keith Sullivan
Loan Officer
United States Airforce Veteran
NMLS # 2451429
Do You Have Questions?
Check Out These Frequently Asked Questions
What is a mortgage?
A mortgage is a type of loan used for real estate transactions, allowing individuals to buy or refinance a property. It is a legal agreement between the borrower and the lender, typically a bank or mortgage company. The property being purchased or refinanced serves as collateral for the loan, which means that if the borrower fails to make the required mortgage payments, the lender may have the right to take ownership of the property through a process known as foreclosure. Mortgages generally involve regular payments, consisting of both principal (the loan amount) and interest, spread over a specified term, usually ranging from 15 to 30 years.
How does the loan process work?
The loan process involves several steps. First, the borrower completes a loan application, providing information about their financial situation. The lender then evaluates the application, assessing factors such as creditworthiness, income, and debt-to-income ratio. If approved, the lender issues a loan estimate outlining the terms and costs. Next, the borrower submits required documentation and proceeds with the loan underwriting process. Once all conditions are met, the loan moves to closing, where the borrower signs the necessary paperwork and finalizes the loan. After closing, the borrower begins making regular mortgage payments as outlined in the loan agreement.
What factors determine interest rates?
Mortgage interest rates are influenced by various factors, including economic conditions, inflation, the borrower's credit score, loan-to-value ratio, loan term, and the overall demand for mortgages. Factors such as the Federal Reserve's monetary policy, market forces, and the health of the housing market also play a role in determining mortgage interest rates. Lenders evaluate these factors to determine the level of risk associated with lending and set interest rates accordingly.
What is the difference between a fixed and adjustable rate mortgage?
A fixed-rate mortgage has an interest rate that remains constant throughout the loan term, providing borrowers with predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, typically after an initial fixed-rate period. This means that the monthly payments for an ARM can fluctuate over time, depending on changes in market interest rates. The choice between a fixed-rate and adjustable-rate mortgage depends on individual preferences, risk tolerance, and expectations for future interest rate movements.
How much down payment do I need to buy a home?
The down payment required to buy a home can vary depending on various factors, including the type of mortgage, the purchase price of the property, and the lender's requirements. Generally, down payments typically range from 3% to 20% of the home's purchase price. Some loan programs, such as FHA loans, offer lower down payment options, sometimes as low as 3.5%, while conventional loans often require a down payment of at least 5% to 20%. It's advisable to check with lenders and explore available loan programs to determine the specific down payment requirement for your desired home purchase.
TX Department of Savings and Mortgage Lending and Office of Consumer Credit Commissioner 2601 N. Lamar Boulevard, Suite 201, Austin, TX 78705 512-475-1350 and 2601 N. Lamar Boulevard, Austin, TX 78705, 512-936-7600
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
All loans subject to credit approval. Rate and fees subject to change
In accordance with Section 326 of the USA PATRIOT Act of 2001, Ark-La-Tex Financial Services, LLC NMLS: 2143 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
for licensing information, go to NMLS Consumer Access
