Email: mstevens@rossmortgage.com

Phone: (270) 629-5041

Email: mstevens@rossmortgage.com

Daniel Bayliss
Daniel Bayliss
Matt and his entire team (Juanita, Devin, Brent, Oliva) were amazing from start to finish. Everyone went above and beyond, answering all my questions, and going to bat for me whenever needed. The process was quick and efficient, we were able to close a conventional loan in under 30 days! Matt has made me a customer for life, and I look forward to getting to work with everyone again on my next purchase!!
David Botts
David Botts
Crystal Klaff
Crystal Klaff
Beyond blessed to have met this team! I had many obstacles in my first time house buying experience and Matthew & Juanita have fought for me the whole way. Also big thanks to Brent for always keeping me updated. The whole team is just great! Today Ill be closing on a house that I love thanks to them. They truly work magic & make dreams come true!
Kyle Minugh
Kyle Minugh
The wife and I were granted an opportunity to obtain a property and home that my wife had wanted since she was a young child. Every bank we went to for a VA loan told us we couldn't have more than 10 acres, we couldn't have a barn on the property, we couldn't finance the home period because it was a "farm" and not just a home. We were struggling to make this home ours for reasons we didn't understand why. It didn't feel like the banks were being honest about what the VA would cover. When we felt that we were gonna have to settle on a lesser loan for a mere fraction of the family property we stumbled onto Arielle Best NMLS # 1674270 with Ross Mortgage. She shined the light on what the banks were doing to close doors that the VA had wide open for us. She worked in another state so she pointed us to Matthew Stevens who just happened to work in our small town. Matthew's team was able to work with us from start to finish on gaining our home on 6 acres attached to 60 additional acres with the barns and all. The rates offered were consistent with going rates offered by the banks. The process was not easy do to multiple complications that were out of our hands but they stuck through grinding out every detail. My personal favorite was the constant updates, we didn't go a single day wondering what was going on. They kept us in the loop at all times and even with the slightest change. We will definitely be using them again. Plus Matt offers a financial review after one year from your purchase date to see where you stand as well as financial advise for life if you need it. We stumbled across Ross Mortgage by chance and it was everything we needed when everything else was holding the doors closed.
abigail minugh
abigail minugh
Lee James
Lee James
The team at Matthew Stevens were excellent. They were professional and courteous at every step. They couldn't have made the process any easier for us. We were able to complete our loan application online and received a great rate too! We even closed on time. If you are looking for an awesome lending team that provides excellent service and rates, I recommend the team at Matthew Stevens!
Kimberly Buckner
Kimberly Buckner
Too good to be true is a thing with Matthew Stevens mortgage. He made the impossible timeline happen, found me the best low rate and I never had a moment of wondering because the communication was stellar. Matthew himself took my call when he should have ignored the call. Juanita was on top of everything and always in constant communication Brett made sure we got updates and found any answers I needed help with. THIS TEAM GOES ABOVE AND BEYOND
Ken Lemen
Ken Lemen
Did a great job for my wife and I on a home refi. Saved us a bunch of money at current rates.
Joanne Sparacino
Joanne Sparacino
Mathew Stevens company was exceptional! I got a great interest rate. I did all my paperwork on line and everything went smoothly. The staff was excellent. They were very professional and prompt. If I called with a question it was answered or my phone call was returned promptly. They made me feel comfortable to ask as many questions as necessary. I would highly recommend this company. I worked with Juanita Hill and Devin Gearlds. They were FANTASTIC!! Thank you for a great experience.
Derek Gearlds
Derek Gearlds
Company ensures you get the home you desire, at the best price possible!

Phone: (270) 629-5041

First Time

Buyer Tips

You’ve got a lot to learn.

 

We care about YOU.

We Put YOU First.

We Deliver.

We’ve Got Your   Back…

First Time Buyer Tips

1. Don’t Skip The Preapproval

Many first time buyers skip the preapproval. This can ultimately cause you to lose the house you are interested in. Many sellers will accept the offer from whoever is pre-approved. Never skip the preapproval.

——

2. Maintain Your Credit

Make sure that you are managing your credit well. You can get free copies of your credit report from each of the three credit bureaus:

– Experian

– Equifax

– TransUnion

Make sure to dispute any errors that could hurt your score.

Keep your credit card balances as low as you can.

Pay your bills on time.

Keep all your credit cards open. Closing a card could lower your score.

——

3. Be Sure You’re Ready To Commit To A Loan

Get a house when it’s right for you. Don’t get a house with high payments if you aren’t comfortable with it. Always be comfortable with the terms of the purchase.

——

4. Start Saving Early

Save money for your house early! When you do you’ll have the opportunity to:

Put more money down which lowers your monthly payments and saves you thousands over time.

Pay the closing costs out of pocket if you are able. One of the many things that first time buyers forget is that there are closing costs for every house loan. These are fees that are charged for finalizing your loan. They are typically 2%-5%.

Pay for move-in expenses. Things like dishes, cups, cleaning supplies, furniture, and all other things you may need when you own your first home.

——

5. Understand Your Loan Options

Always check your Loan Options. There are a variety of mortgages available with different down payment and eligibility requirements.

Another option you must consider is the time frame you want to payback the loan.

You will be able to decide whether you want a 30 year fixed-rate mortgage with a low monthly payment, or a 15 year fixed-rate mortgage with a lower rate, but a higher monthly payment.

– Conventional Mortgages

Allow down payments as low as 3% down. These loans are not insured by the government.

– FHA Loans

Allow down payments as low as 3.5%. They are also insured by the Federal Housing Administration.

– USDA Loans

These loans are for rural house buyers, and typically require no down payment. Check here for property eligibility.

– VA Loans

VA Loans do not require a down payment. These loans are for Veterans, current military service members, or a surviving spouse of a Veteran.

——

7. List Your Needs, Your Non-Negotiables & Nice-To-Haves

It’s a good idea to list things you want in a house. Be ready to compromise. You may not get the house of your dreams the first time; but if you play your cards right, you could resell your home later and have more money saved for your dream home. In addition we offer loan products to do renovations at the time of purchase. If you need that extra bedroom, want to remodel the kitchen, or remodel that bathroom, talk to us about it on the front-end of your offer; we can help.

——

8. Work With A Real Estate Agent

It’s better to work with a real estate agent. They have your best interests in mind. If you work without a real estate agent on your own, be CAREFUL. REMEMBER, the agent listing the home for sale is working for the best interest of the seller. You need an agent of your own to negotiate the deal on your behalf.

——

9. Be Confident When You Submit An Offer

If something doesn’t feel right, ASK your lender!

——

10. Hire An Inspector

Always hire an reputable home inspector to assess the house that you are considering. Hiring an inspector can prevent you from buying a home with serious issues and can help you negotiate repairs prior to purchase.

——

11. Stick To Your Budget

Always make a budget. You need a plan that works for your family. Count the costs and consider the long term benefits of purchasing the best home your family can afford. We can help you understand those figures. 

——

12. Research Home Buyer Assistance Programs

——

13. Negotiate With The Seller

Don’t be afraid to negotiate with the seller. Sometimes you can knock off the market price of the home by $10,000-$15,000. If you can’t knock off pricing, tell them to include closing costs, or include repairs and appliances to the home.

Appliances aren’t free.

 

I’m Matthew, and I am Here To Help

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

 

I’ve got great news…

 

I’m here to solve that for you. As a Veteran Mortgage Advisor, I offer veterans options that other consumers don’t have access to. I’ll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.

 

When you’re ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that’s normally associated with it.

 

It’s easy to reach me – feel free to call me direct or if you prefer you can email me. Either way I’m here to make the experience of getting a mortgage a good one for you.

 

Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

 

I look forward to hearing from you.

First Time

Buyer Tips

You’ve got a lot to learn.

We care about YOU.

We Put YOU First.

We Deliver.

We’ve Got your Back…

First Time Buyer Tips

1. Don’t Skip The Preapproval

Many first time buyers skip the preapproval. This can ultimately cause you to lose the house you are interested in. Many sellers will accept the offer from whoever is pre-approved. Never skip the preapproval.

——

2. Maintain Your Credit

Make sure that you are managing your credit well. You can get free copies of your credit report from each of the three credit bureaus:

– Experian

– Equifax

– TransUnion

Make sure to dispute any errors that could hurt your score.

Keep your credit card balances as low as you can.

Pay your bills on time.

Keep all your credit cards open. Closing a card could lower your score.

——

3. Be Sure You’re Ready To Commit To A Loan

Get a house when it’s right for you. Don’t get a house with high payments if you aren’t comfortable with it. Always be comfortable with the terms of the purchase.

——

4. Start Saving Early

Save money for your house early! When you do you’ll have the opportunity to:

Put more money down which lowers your monthly payments and saves you thousands over time.

Pay the closing costs out of pocket if you are able. One of the many things that first time buyers forget is that there are closing costs for every house loan. These are fees that are charged for finalizing your loan. They are typically 2%-5%.

Pay for move-in expenses. Things like dishes, cups, cleaning supplies, furniture, and all other things you may need when you own your first home.

——

5. Understand Your Loan Options

Always check your Loan Options. There are a variety of mortgages available with different down payment and eligibility requirements.

Another option you must consider is the time frame you want to payback the loan.

You will be able to decide whether you want a 30 year fixed-rate mortgage with a low monthly payment, or a 15 year fixed-rate mortgage with a lower rate, but a higher monthly payment.

– Conventional Mortgages

Allow down payments as low as 3% down. These loans are not insured by the government.

– FHA Loans

Allow down payments as low as 3.5%. They are also insured by the Federal Housing Administration.

– USDA Loans

These loans are for rural house buyers, and typically require no down payment. Check here for property eligibility.

– VA Loans

VA Loans do not require a down payment. These loans are for Veterans, current military service members, or a surviving spouse of a Veteran.

——

7. List Your Needs, Your Non-Negotiables & Nice-To-Haves

It’s a good idea to list things you want in a house. Be ready to compromise. You may not get the house of your dreams the first time; but if you play your cards right, you could resell your home later and have more money saved for your dream home. In addition we offer loan products to do renovations at the time of purchase. If you need that extra bedroom, want to remodel the kitchen, or remodel that bathroom, talk to us about it on the front-end of your offer; we can help.

——

8. Work With A Real Estate Agent

It’s better to work with a real estate agent. They have your best interests in mind. If you work without a real estate agent on your own, be CAREFUL. REMEMBER, the agent listing the home for sale is working for the best interest of the seller. You need an agent of your own to negotiate the deal on your behalf.

——

9. Be Confident When You Submit An Offer

If something doesn’t feel right, ASK your lender!

——

10. Hire An Inspector

Always hire an reputable home inspector to assess the house that you are considering. Hiring an inspector can prevent you from buying a home with serious issues and can help you negotiate repairs prior to purchase.

——

11. Stick To Your Budget

Always make a budget. You need a plan that works for your family. Count the costs and consider the long term benefits of purchasing the best home your family can afford. We can help you understand those figures. 

——

12. Research Home Buyer Assistance Programs

——

13. Negotiate With The Seller

Don’t be afraid to negotiate with the seller. Sometimes you can knock off the market price of the home by $10,000-$15,000. If you can’t knock off pricing, tell them to include closing costs, or include repairs and appliances to the home.

Appliances aren’t free.

 

I’m Matthew, and I am Here To Help

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

 

I’ve got great news…

 

I’m here to solve that for you. As a Veteran Mortgage Advisor, I offer veterans options that other consumers don’t have access to. I’ll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.

 

When you’re ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that’s normally associated with it.

 

It’s easy to reach me – feel free to call me direct or if you prefer you can email me. Either way I’m here to make the experience of getting a mortgage a good one for you.

 

Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

 

I look forward to hearing from you.