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How to Apply for a Mortgage on Roatan via Roatan Mortgage
1. Begin with the “Apply Now” Form
– Visit the Apply Now link on the Roatan Mortgage website.
Roatan Mortgage
– Fill out the online intake form with your basic details: name, contact info, property type (home, condo, land), and financing needs.
Roatan Mortgage
– Submitting this form triggers a pre-qualification review and gives you access to additional resources such as FAQs, white papers, and private listings.
Roatan Mortgage
2. Provide Required Documentation
After the initial form, you’ll need to supply supporting documents. Typical documents include:
- Proof of identity (passport, driver’s license, etc.)
- Proof of income (pay stubs, tax returns, etc.)
- Bank statements
- Credit history or credit report
- Details of the property (address, lot & land title, condo documents, etc.)
- Any additional documentation requested by Roatan Mortgage
3. Get Pre-Qualification
Roatan Mortgage will review your documents and assess your eligibility based on:
- Creditworthiness
- Income stability
- Property value and type
- Down payment or equity available
You’ll receive a pre-qualification letter indicating how much you can borrow, which strengthens your negotiating position with sellers.
4. Select the Mortgage Type / Product
Roatan Mortgage offers multiple mortgage types to suit different needs. Roatan Mortgage Some of these include:
- Home Loans
- Condo Loans
- Lot & Land Loans
- Commercial Loans
- Fractional Ownership financing
- Developer-backed financing programs Roatan Mortgage
Choose the product that best aligns with your property and financing goals.
5. Property Appraisal & Title Review
Once your mortgage type is selected:
- The property will undergo an appraisal to determine fair market value.
- A title search and review will be conducted to confirm ownership, encumbrances, liens, etc.
- Any issues (title defects, unpaid liens, etc.) must be resolved before proceeding.
6. Final Underwriting & Approval
With the appraisal, title, and documentation in place, Roatan Mortgage’s underwriting team will perform a final evaluation. They will assess:
- Risk
- Debt-to-income ratio
- Loan-to-value (LTV) ratio
- Any additional conditions (repairs, insurance, etc.)
If approved, you’ll receive a formal loan commitment.
7. Sign Documents & Closing
At closing:
- You’ll sign the mortgage or deed of trust, promissory note, and any other legal documents.
- Funds will be disbursed to seller or developer.
- Title and ownership will transfer to you.
8. Begin Payments & Tax / Insurance Setup
- Set up your payment schedule (monthly, bi-monthly, etc.).
- Ensure property insurance is in force (fire, hazard, flood if needed).
- Keep up with property taxes and local requirements.
Get Started
Complete our free intake from for discounts, services and inclusion into our preferred developer program. We will assign a Mortgage Expert to your file and activate our team to serve youQ
