Amanda Baar
Mortgage Consultant
NMLS: 214763
Phone: 877.243.2528 ext. 2710
Email: abaar@communitychoicecu.com
With a decade of experience at Community Choice and a background in Human Services, I am passionate about helping members navigate the mortgage process to put more money back in their pockets.
I’m in your corner
A mortgage is one of the biggest financial decisions you’ll ever make, and it shouldn’t feel like a black box. My job is to make sure you understand what’s happening at every step, that nothing falls through the cracks, and that we’re looking for ways to save you money — not just close the loan.
Before joining the Mortgage Team, I spent years as a loan processor at Community Choice, which means I know the approval process from the inside out. I can spot a snag before it becomes a delay, and I can tell you exactly what an underwriter is going to ask for before they ask. My background is in Human Services, so I tend to start with your goals and work backward from there. Numbers matter, but they’re not the whole picture.
Where I can help
A few of the situations I help members work through most often:
- First-time buyers figuring out where to start. Pre-approval, down payment programs, what’s actually realistic for your budget — explained without the jargon.
- Refinancing to lower a payment or shorten a loan. Running the math on whether a refi actually pencils out once you factor in closing costs, and what break-even really looks like.
- Consolidating higher-interest debt into your mortgage. Looking at whether rolling credit card or other debt into a refinance or home equity option actually leaves you ahead each month.
- Closings that actually close on time. With a processor background, I know what trips up a file before it does, so we’re not scrambling for documents at the eleventh hour.
The mortgage process
From dream to front door, getting a mortgage doesn’t have to be complicated. Here’s what it typically looks like:
Let’s run the numbers
Curious what your monthly payment could look like? Our mortgage calculator can help you estimate payments, explore price ranges, and plan with confidence. Try adjusting the numbers to see what works best for you!
Frequently asked questions
Does Community Choice offer mortgage pre‑approvals?
Yes! Mortgage pre‑approvals are available during the application process.
How quickly can I close on a mortgage?
Many mortgage loans at Community Choice close in under 30 days, helping you move forward faster with less waiting.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you share with us, usually over the phone. It gives you a ballpark of what you might be able to borrow. Pre-approval is a more thorough review where we verify your income, credit, and assets. It carries more weight with sellers and tells you exactly what you can borrow, so it’s the better option once you’re seriously shopping.
How long does the mortgage process usually take, from application to closing?
Most mortgages close within 30 to 45 days from application, though timing depends on factors like appraisal scheduling, how quickly documents come in, and the type of loan. We’ll give you a clearer timeline once we know more about your situation.
What documents do I need to apply for a mortgage?
Have the following ready when you apply:
- Two most recent pay stubs
- W-2s from the last two years (or 1099s if self-employed)
- Two years of tax returns if you’re self-employed
- Two most recent bank and investment account statements
- Government-issued photo ID
- Information on any other properties you own
If your situation is more complex — gift funds, rental income, recent job change — we may ask for a few extra items.
How much house can I afford?
Your affordability depends on factors like income, monthly debt, credit history, down payment, and interest rates. A mortgage expert can help you understand your options and estimate a comfortable monthly payment before you start house hunting.
Should I get pre-approved before looking for a home?
Yes. Getting pre-approved can help you understand your budget, strengthen your offer, and make the home buying process feel more straightforward. Community Choice offers mortgage pre-approvals to help buyers shop with confidence.
What’s included in a monthly mortgage payment?
Most monthly mortgage payments include principal, interest, property taxes, and homeowners insurance. Some loans may also include mortgage insurance.
Can I buy a home before selling my current one?
Depending on your situation, yes. A mortgage expert can help you explore options that may allow you to buy before you sell.
What’s the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage keeps the same rate over time. An adjustable-rate mortgage may start with a lower rate that can change later based on market conditions.
Hear from happy members
Connect with Amanda
Don’t wait! Make your dream home a reality today.
Homebuying can be an overwhelming process – we’d love to make the financing part a little less so. Reach out today for dedicated, personal support from pre-qualification all the way until closing.
