HOME LOANS
Presenting products and services that are right for you
HOME REFINANCE
A cash-out refinance replaces your
existing mortgage with a new home
loan for more than
you owe on your house.
APPLY ONLINE
Applying for a Home Loan
Is Easy and Quick.
It only takes 8 minutes
to complete the application.
THE MORTGAGE PROCESS
PRE-APPROVAL
The first step in the Mortgage Process is to complete a full client questionnaire. Once your questionaire is received, an experienced Mortgage Banker will help explain different financing options that are best suited for your goals.This beginning stages of the process does not guarantee an approval for a mortgage, however it does provide the knowledge required to set realistic expectations in respect.
SUBMIT DOCUMENTS
Financial documents supporting the client questionnaire must be submitted and verified by underwriters. Documentation commonly requested (but not limited to) would include 30 dayspaystubs, 2 years complete tax returns, 2 years W2’s and 1099’s, photo ID’s for all applicants, current checking and savings account statements, and recent retirement/investment account statements. If you have experienced a divorce or bankruptcy, supporting documentation will be required.
HOME SHOPPING
Now that the pre-approval is in place, you can begin the process of shopping for your dream home! You might consult with a realtor about your needs and prepare a list of available inventory that suits your search criteria. When the perfect home is located, Your realtor will present your offer to the seller.
LOAN PROCESS
When all parties have agreed to the terms of the sales contract, you will meet with your Mortgage Banker to discuss the different financing options you may qualify for. When the type of mortgage, and term, has been determined, you will sign the Loan Application and the Loan Estimate. This document is not 100% accurate in the early stages, however, it does provide you with a realistic picture of your transaction.
UNDERWRITING
A Mortgage Underwriter’s job is to assess the risk of lending you, the applicant, money to purchase your home. They will consider factors such as credit history, employment history and income, and your ability to repay when determining if they will approve your loan or not.
INSPECTION & APPRAISAL
Your Realtor will recommend a capable home inspector to conduct a thorough inspection of the property. The inspector will check for any structural and/or material defects in the property and provide a written report about their findings. If the property contains items that need to be addressed, per the inspection report, the Realtor can submit a building resolution document that request the seller to correct the deficiencies or provide a credit for the repairs at closing. (dwell Mortgage does not require a copy of the inspection as this is a voluntary inspection) dwell Mortgage will order an appraisal on the property from one of our approved vendors. The appraisal report is required by underwriting as it provides a collateral assessment of the property, assuring the Lender that the property value is commensurate with the purchase price.
CONDITIONAL APPROVAL
After the initial documentation has been collected and the appraisal report has been issued, the file is submitted to our Underwriting Team for review. Typically on the first review, the Underwriter will issue an “approval” but with some conditions.These “conditions” are items that the Underwriter needs additional clarity on. Once these conditions are met, the final approval will be issued.
FINAL APPROVAL
The final approval is issued when all documentation has been signed off on by Underwriting. It is imperative that this final approval date is met prior to your loan commitment date on the sales contract. Since this milestone is time sensitive, staying motived and providing all requested information will allow us to meet the designated date of loan commitment and prevent any delays or extensions.
CONGRATULATIONS ON YOUR HOME!
The loan closing appointment typically occurs at a Title Company and represents the time when all Buyers sign the final loan, and title, documents. This will include the transfer of title and all recording instruments that show YOU as the new owner!
WHAT SET US APART
EXPERIENCE
Eddie Skinner is salaried branch manager with over twenty two years of experience. Eddie and his team of licensed production partners are excited to help clients finance their dreams and experience a top-notch process from start to finish. Eddie has been recognized as a top 1% Mortgage Originator the past 2 years based on Scotsman’s Guide.
CREDIT APPROVAL
This program may supply a competitive advantage for homebuyers by providing a fully underwritten approval before making an offer on a home. This could help increase credibility as a buyer and help you stand out in a crowded market.
STREAMLINED DIGITAL DOCUMENTS
You can quickly and securely scan loan documents with your phone’s camera. You can also submit documents without having to gather all that paper. Some Restrictions apply.
$5,000 SELLER GUARANTEE
Storehouse Mortgage, LLC will pay the Seller $5,000, if we fail to close a Certified Home Buyer. Does your lender stand behind their Pre-Approval? We put our money where our mouth is. Cerified Home Buyer… Dont acccept anything less.
MOBILE APP
With the Storehouse Mortgage mobile app, you can apply in under 10 minutes, calculate loan scenarios with full monthly payments, and easily track loan progress with real-time push notification.
Meet Eddie Skinner
Eddie Skinner is the broker/owner of Storehouse Mortgage. He is an independent broker with 10 different banks enabling him to get you the best service, pricing and communication. You will enjoy working with him and his team!
WE ARE WHO WE ARE!
Hear what our clients are saying about us!
Great experience! Fast response times, very knowledgeable and friendly group! It was a very seamless experience and I was kept informed the whole time. I highly recommend them!
Lori Wilson
19:21 02 Jul 21
Doing business with Storehouse Mortgage was amazing. They were in constant contact with me and went above and beyond what I expected. I can’t even express how great the entire experience was. This is a super team that puts the customer first
Mike Jeter
00:57 23 Jul 21
We worked with Taylor for our closing, and he not only took the stress out of it all, he was so kind & knowledgable throughout the entire process. It meant so much that he was always willing to go the extra mile to make it a seamless process. I will 100% work with him & his team again, hopefully in the near future!
Brooke Broussard
15:13 09 Nov 21
It was a wonderful experience dealing with Storehouse Mortgage. Everyone on our team kept us informed during the entire refinance process. We never had to ask for updates because they were always one step ahead of us! Everyone is very professional and knowledgeable. My husband and I recommend them to everyone. We will definitely use them again in the future when purchasing another home.
Deborah Lecuyer
12:34 15 Sep 21
What an amazing company and team. If you are looking for a company that keeps you in the loop, treats you like family and goes the extra mile to close the loan look no further. Had a great Experience with the entire team at Storehouse. They truly care and it shows in their work and effort. I can’t imagine working with anyone else. They have earned my business and you should give them a shot at earning yours. You want be sorry. Great Experience.
Ross Neel
13:41 09 Nov 21
First class company with 5 Star service!! Having a century old home made refinancing a tad more involved...or shall I be honest and say A LOT MORE!! All through the process they made every single step as effortless as possible!! With Storehouse Mortgage, you don’t get one representative, you get an army at the frontlines helping you sort through every detail!! The delicious cookies, the book, the Starbucks card, the t-shirts, and gorgeous personalized charcuterie board were the icing and sprinkles on the cake!! Thanks, Eddie and Faye and team for taking such excellent care of us!!
Tina Cole
17:21 07 Jan 22
Eddie Skinner and his team were amazing to work with! They were always prompt to respond to me, listen to my needs, and let me know what to expect every step of the way in the process (this is not usually the case). Of all the mortgage companies I have worked with, my experience with Storehouse has been, without question, the best. They advocated for me, NOT their own agenda. They've earned my trust and loyalty!
Allison Winfield
16:31 16 Nov 20
My wife and I recently utilized Eddie and his team at Storehouse for a refinance on our existing home. To say they have exceeded our expectations would be an understatement. They are not the big chain that has 19 buttons to push and hopefully speak to someone when calling. They are not only happy to answer all your questions via phone and email but proactively reach out to give updates along the way. They give a video update every 4-5 days detailing where the status of the loan is and what that portion of the loan does, clearly and concisely. They are a family business that takes care of every process around your home because that's your families business.As a realtor, I have 3-5 mortgage recommendations for my clients based on financing needs and situations. Eddie's team is always the first one out of my mouth. I recently had two houses go under contract within 2 days of each other. Approximately same amount, down payment, loan type and closing date. One utilized Eddie and the other a company out of New Jersey. The New Jersey contract needed two contract extensions adding 2 weeks and was about an hour and a half from falling trough as the seller refused a 3rd extension without closing docs confirming the deal would close. We closed but it was a nightmare. Eddie on the other hand closed a week early to accommodate the couple being able to move in to their new home prior to their scheduled c-section delivery of their second child that aligned with the original contract closing date.Long story short, use Eddie and his team.
Jeremy Morgan
15:37 25 Dec 20
These are caring people with great success ratesalong the way to show it. Their desire to help people goes above and beyond what you will experience at any other lending company. If your looking for a lending company that you can trust, this one is for you!
Kathleen Smith
13:57 03 Nov 20
It was a pleasure working with Storehouse Mortgage on the refinance of our home. Our original interest rate was 4.375% and now it is 2.625% that alone is great for savings. I am a Navy veteran and they worked to be sure we had all the up-to-date information needed to work with VA on our loan. But the best part was the service we got from them. Their team worked hard to not only get us a great interest rate but negotiated to get us the best loan options available. They expedited the process in three weeks which was very impressive considering one of those weeks was the week of Thanksgiving. We are now saving $313.64 a month on our house payment. That is a savings of $3,764.68 a year. Not to mention when working with lender credit at closing they gave us a 25% TN discount. We live over 2 hours away from their office. That was not a problem. Most of the transactions were done electronically over a secure login. On the closing day a Notary Republic working with the title company came to our house and we completed the paperwork. I would highly recommend this Business Exchange partner to anyone anywhere. It seems that distance is not a factor. Thanks again to the Storehouse Mortgage team!!
Terry Caudle
23:47 16 Dec 20
We had a fantastic experience working with Storehouse mortgage. The whole process was easy and smooth. Eddie and his team very friendly and always ready to help and answer any questions.
Carla
16:59 02 Nov 20
My family and I could not be where we are today without this amazing team. We believe whole heartedly in divine appointments, we believe people are introduced into your life for a reason and I definitely know God had His plans in motion when He placed these amazing people in our lives. The words THANK YOU, will never be enough to explain our gratitude to the whole Storehouse Mortgage Team!!
Sarah Richard
13:16 01 Jul 21
I want to Thank Eddie and his team for the Stress less process of re-financing my home. His team was on top of everything, Every Step Of The Way.Eddie would also send out short videos keeping us up to date on what was happening and to reassure us that everything was going as planned.If you are needing a Mortgage or a Refi I highly recommend Storehouse.I can not forget Fey in this process, She sent out some of the best cookies I have ever had. Thank You Fey and Thank you Storehouse Team
Dave Howes
12:42 17 Dec 20
Great place and people to do business with, they do what they say they are gonna do and when they say they are gonna do it. Give constant updates at the various stages of the process. You feel like you are their only clients. They have surrounded themselves with other businesses involved in the process that give the same attention to detail as they do.
Scott Keel
23:14 10 Feb 21
Everybody was great to work with fast and easy and everything went through smooth thank you very much would be nice to work with you all again
tj hilton
18:38 24 Jan 22
Storehouse Mortgage LLC, made it super easy for us to secure a loan for our home purchase, and the person who made it a painless experience was Hannah Henry, she was excellent, very professional and always very courteous, and so knowledgeable, always available to answer our questions. I highly recommend Hannah and the Storehouse Mortgage Team.
Carlos Sanchez
05:24 06 Oct 22
Eddie Skinner has a remarkable reputation helping folks in need of a Mortage or Refinance. His reputation has influenced to join his team in the very near future! He has over 17 lenders and a great team at Storehouse Mortgage. Highly recommended.
kent robinson
02:52 02 Dec 20
We thought about refinancing for over a year. We had talked to a few people, but felt very well taken care of after the first phone call with Trinity Mortgage. This past year with Covid regulations made things interesting, but we wouldn’t have walked through this journey with anyone else. It was a pleasure working with the team! You won’t be disappointed!!
C Ulrich
15:22 20 May 21
We had the pleasure of working with Kent Robinson on our most recent home purchase. Kent was incredibly helpful, professional and always accessible. Applying for a loan can sometimes be quite tedious. Kent made it enjoyable and very timely. We appreciate his personal touch and assistance. We would definitely use Kent and Storehouse Mortgage again.
Brad Jeter
16:14 31 May 22
Eddie, Reagan, Hannah, Anna, and the entire team at Storehouse are amazing! These folks truly give each client a VIP experience! They closed us on short notice with every attention to detail. Their support and professionalism is unmatched. Purchasing a home was a pleasure with this team by our side!
SUMMER BURLESON
13:58 29 Dec 21
We are working on refinancing with this company right now. To say the process has been extremely easy is an understatement. The team is very informative and quick to reply in all forms of communication. Highly recommend Storehouse Mortgage.
Ashlee Reeves
02:18 20 Jan 21
I have to say that working with everyone at Storehouse Mortgage was a very pleasant experience. They took an unpleasant task (I'm not a fan of the refi process) and made everything easy--including getting me up and going with the computer part of the process. They never failed to get back with me when I had a question--and I had several! I can totally recommend these nice folks for any of your mortgage needs.
Marty Vercic
00:48 02 Dec 20
Storehouse Mortgage is a wonderful company! They were amazing and made my home buying experience so easy. I knew exactly what was going on every step of the way. DEFENITELY recommend. ?
mireya hernnadez
13:55 04 Jun 21
I would give more stars if I could, this team was amazing to work with, super friendly and explained things really well. After working with a company that was not good I was hesitant about buying a home. Storehouse definitely changed my mind and made the process super easy. I want to especially give shootouts to Robbie, Taylor and Anna who went above and beyond in customer service and always kept me informed on everything happening with our loan. They were also super fast to respond with any questions that I had. Thank you for such an easy process.
April Brown
19:58 22 Mar 22
I recently went through my 4th home buying process with Storehouse Mortgage, and it was the absolute BEST experience???? Not only are Eddie and Reagan the kindest to work with, but the they are super knowledgeable, trustworthy and really listen to what you want/need. I was in another state and they made the process super easy for me, without needing me to be there in person, plus they work so closely with your realtor, title company, etc. THANKS to Eddie’s amazing video to the seller’s and their agent, I got the home I wanted ???? I even had a nice surprise from Faye at my front door welcoming me to the neighborhood! Such a lovely, caring family. I will definitely do business again with them, especially to refinance once mortgage rates go down and will absolutely recommend anyone I know to them. Thank you so much for everything ???????? I am so grateful to have found them through my realtor, Elizabeth.
Aslinda Daneshmand
21:06 10 Aug 23
Had a great experience with Terry McAffrey at Storehouse Mortgage in buying our first house. we just closed last week, which was a month from when we started the process. Terry kept things moving and made sure we were getting taken care of through the whole process. Also, the video updates we were sent by Eddie, explaining each step of the process we came into was very helpful for us as first time home buyers. Highly recommend! Great job, guys!
Kristopher Molhusen
18:28 14 Sep 20
I am a realtor and I have used several different lenders over the years. None quite like storehouse mortgage though. I tell all of my clients they are the most moral people in the business and I stand by that. They help my clients not only get approved but point them in the direction with tips and trick to improve their situations. They are always willing to educate me and my clients on different loans and how they would effect my buyers. Lack of information is not something you have to worry about with Storehouse mortgage, they break things down and make it easy to understand. The only mortgage company I trust my clients with at this stage in my career. I highly recommend using them to ALL of my clients.
Jessica Flowers
15:13 25 Apr 23
We used Storehouse Mortgage when buying our house back in 2018, so when it came time to refinance, we knew we could trust Storehouse Mortgage to get the job done! They made the entire process a breeze on our end and are always so easy to work with! I cannot recommend them enough!
Bridgette Young
21:39 01 Mar 22
We recently refinanced our home loan with Storehouse Mortgage. We were on a fast track time frame and the group responded very well. Eddie was super patience with us as we had many questions. He always made himself available to us when we called and we called quite a bit! Faye made sure we received a few gifts along the way! Eddie can be trusted to do his best job for you!
Ruth Pruiett
19:35 29 Dec 20
Storehouse Mortgage made the entire home buying process super easy and fast! Reagan and Itzel were informative and communicated very well throughout the whole process. I’d recommend giving them a shot!
Blake Trahan
21:23 01 Jun 22
Mr. Eddie Skinner and team do it right. They provide a service that goes beyond just a mortgage company. They truly care about their customers. Most importantly they demonstrate with actions their support for military veterans and their families. I can honestly say, it was a great experience. They treated me like family answering my questions and providing me with updates during the entire process. Thank you to the Team of Storehouse Mortgage.
Joe Terrones (JT)
00:34 26 Oct 21
Thank you very much for all your help in securing our loan for our new home in Cypress, Texas. You were organised, thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as your friends rather than just home loan customers. You stand above the rest, Storehouse Mortgage family!
Aynura Maharramova
18:14 28 Apr 21
On top of everything you need in a loan officer! I would recommend using them for all your mortgage needs.
Deb Parker - Realtor
16:47 18 Aug 23
Our experience with Eddie Skinner and Storehouse Mortgage was exceptional! Navigating the mortgage process can be challenging in today’s environment. We were so thankful to have someone we could trust and who was always working in our best interest. We highly recommend Storehouse Mortgage.
Gay Grice
13:41 13 Oct 20
Where to begin?! I was on Twitter one day looking up refinancing, stumble upon Eddie's profile and saw that he was a mortgage broker.. so I called him up. We had a great conversation about life in general and then we got to talking about my refinance. He was honest and said I got a great deal and that he probably couldn't do better. Well, not a few minutes later, he called back saying he wanted to give it a second look. And the rest, as they say, is history. Eddie and his son, Reagan, are a fantastic duo. I had so MANY questions, yet they were graciously patient with me throughout the whole process. So, if you're in the market for a mortgage, give these guys a call. They aren't just another mortgage company, they are legit family and only have your best interest at heart. Thanks again, Eddie & Reagan!
Ray Miranda
23:32 02 Sep 21
Outstanding experience with Storehouse Mortgage. Reagan and Eddie were prompt, polite, and knowledgeable. They patiently answered any questions we had, helped us secure a great interest rate, and close on time. Not only earned our business, but worked hard to keep it too. Would recommend without any hesitation!
Megan Myers
20:34 29 Mar 21
Great experience. Stayed on top of things, and got refi done is short order. Thanks
Dale Seymour
16:34 03 Mar 22
This is just an amazing team of people. The honesty, passion and communication was just amazing! If you are looking for a loan or refi this is your team they will listen to you and will get you to the finish line. Eddie and team thank you best of luck and God bless I am customer for life!
Chris Johnson
21:48 01 Jul 21
The Storehouse Mortgage team was so wonderful to work with as we purchased our first home. They were incredibly patient as we had so many questions, and they took the time to really get to know us to better serve us along the way. We feel so blessed to have found them.
Sydney Grady
15:59 06 Jun 23
Just completed one more of many smooth closings with Storehouse Mortgage. I’ve been recommending to my clients Eddie Skinner for 10 years. His son Reagan is following in his footsteps. He is awesome too!
Julie Young
14:51 12 Apr 23
Truly 5 Star service! Taylor and Robbie were in constant communication with all parties involved in the transaction. All deadlines were met ahead of schedule, and I never had to worry once! They made it a seamless and easy process, and were such a pleasure to work with. Would and will recommend them to any buyer!
Bre Kincaid
20:16 07 Mar 22
The Storehouse team is unrivaled! I moved from Dallas to Conroe with my wife who is pregnant and we wanted to purchase our first home. from initial viewing to close it took 2 weeks! everything was seamless, extremely professional and professional! I love this team and will be referring everyone I know to use their amazing team!
Christopher Hinton
22:57 01 Apr 22
Eddie and the team are amazing. They got everything done timely manner. No problems, I had any questions to answer them right away. They would call, text, and email me to let me know what’s going on. Highly recommended. Thanks Eddie and the team.
Michael Cox
21:36 15 Jul 21
We were able to get our home refinanced with Trinity Mortgage after a bad experience with a different company last year. Ed and Taylor were great to deal with and very responsive to my questions and concerns. I was very pleased with them! I highly recommend Trinity Mortgage for anyone needing a mortgage or refinance. Great people!
Rita Christman
23:34 12 May 21
Excellent service. Every member that I interacted with was so helpful and friendly. Eddie, Robbie, Reagan, Anna, and Taylor were all amazing to work with. They made the entire process simple, easy to understand, and moved it quickly even over the end of December holiday season. I highly recommend their services.
Robyn Fohlmeister
04:02 15 Jan 22
Our experience with Storehouse Mortgage and their staff has been fantastic! Their team kept us informed and did regular check in and status reports to be sure we knew what was needed and where we stood on our loan. I highly recommend Eddie and his wonderful team at Storehouse Mortgage!
Phil Reynolds
15:09 20 May 21
Great experience through Eddie. Met him years ago and knew he would be my lender when the time came. They made everything easy to go through. I'd give them 10 stars if that were an option. It's a family run business that cares more about the customer than just closing the sale. I can't recommend them enough. Thank yall for getting us into our dream home.
Nick Rigopoulos
03:39 24 Jul 21
It was a pleasure doing business with Storehouse Mortgage. The ease at which the refinancing process proceeded was not expected as I started this process. Storehouse Mortgage kept me informed every step of the way and even sent short videos explaining was was transpiring during each phase. This was a unique surprise that made me feel comfortable and informed the entire time. I would highly recommend Storehouse Mortgage if you are in the market for a new home or refinancing your current home. A job well done!
Robert Green
21:40 11 Nov 20
CONTACT US!
Tel: 832-347-8261
Email: loans@storehousemortgage.com
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