For Your Life - For Your Family 
Home loans that help 
The Mortgage Rewards Team of Alera Financial has partnered with The Salvation Army to put more families in homes while supporting the Army's work.
You don't have to be a mortgage expert to know where to begin. At Alera Financial, we give you the tools to make your home financing experience a success. Whether you are looking to buy your first home, upsize or downsize your current home, or refinance, the mortgage experts at Alera Financial know how to get you started.
For every customer that gets a home mortgage with the Mortgage Rewards Team of Alera Financial, MRT will contribute $100 to The Salvation Army in honor of the customer. The gift can even be designated for a specific program based on the customers interest.
It gets better... you will also receive a $350 credit towards closing cost.
Mortgage FAQ
You should start the mortgage process with a pre-qualification/approval which will help you narrow down your loan options. The next step is to search for a home and make a purchase. Once your home has been selected and a contract for purchase has been signed, you need to complete and sign a full loan application and submit all required documentation. At this time, the mortgage company orders an appraisal on the home while the loan application is submitted to processing. Once all of the documentation is in place, the loan gets underwritten. The underwriter will notify the processing team of any outstanding items, which must be submitted and underwritten. After all loan stipulations have been met, the loan moves to the closing department where the closing package is delivered to the attorney for your closing date. The process typically takes 20-30 days once you have found the house for you.
The Road to Home Ownership
Are you buying your first home? Do you need to establish credit? Do you need to improve your credit? Let us help you!
The Road to Home Ownership program is designed to help you improve your credit profile so that the American dream of home ownership can become a reality!
Our Credit Consultants will provide:
- Specific tactics to improve your credit profile
- Assistance with credit repair
- Assistance with credit disputes and updates with credit repositories
- Assistance with negotiating various debt settlements
- Assistance with establishing new credit
- Assistance with drafting letters of explanation
- Education on down payment and financing options
- Assistance with savings and budget planning
- Continuous support while in the program
How it works…
This is a refundable fee-based service with costs ranging from $150 - $400 depending on your individual needs. When you close your loan through Alera Financial, the service fees are fully refunded through a closing cost credit.
For more information on this program, please speak with your Mortgage Rewards Team consultant directly. Click here to email a MRT member today!
Click Here to email the Mortgage Rewards Team and get started on the path to home ownership.
Don't have a real estate agent?
We can team you with a licensed professional that will keep your best interest in mind.
Our Credit Counselors have worked with hundreds of families that were declined by other lenders. We work with you and your credit history to put you on the road to homeownership, usually in just a few months!
The Salvation Army
215 South Person Street
Raleigh, NC 27601
Phone 919.834.6733
Fax 919.828.0911
Click here to email us.
