The Home Loan Process
Steps To Starting An Exciting Journey
Ready to kick off this exciting journey? The first step is a chat with a local mortgage specialist who knows the ins and outs of the process. If you've got someone in mind, fantastic! If not, no worries – we've got solid connections with some of the industry's best lenders. Let's make those introductions, ensuring you're in the hands of professionals who'll take care of you.
Your dream home is just a few steps away. Let's get started, together!
SIMPLIFY THE PROCESS... Get Pre-Approved
Before you start looking for a home to buy, it’s a great idea to meet with your local Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about your income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan & Client Service
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the closing attorney, where you’ll sign for the new home and pay any remaining fees. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
