THE HOME LOAN PROCESS

The home loan process doesn’t have to feel overwhelming. I will help you stay informed from pre-approval to closing. 

The first step is to consult with a mortgage specialist. If you don’t already have someone in mind, I can introduce you to some of the best lenders in the industry.

Before you search for a home, you should meet with your loan officer to get pre-approved. There are a variety of loan programs available, so make sure to get pre-qualified for those that best suit your needs.

At this stage, the lender will gather your income, asset, and debt information to determine how much house you can afford. This will include a credit report, W-2 forms, pay stubs, federal tax returns, and recent bank statements. 

I will help you find the best loan officer in your area to get you competitive rates and the programs that suit your needs. 

Fill out this form and connect with a lender today!

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application and walk you through the various fees and down payment options. 

The application is then submitted to processing, where the documents are reviewed and appraisals and a title examination are ordered. Next the loan is sent to an underwriter, who will review and approve the loan if it meets compliance.

Don’t be surprised if you need additional documentation or clarification throughout the loan application process. 

Pro tip: Be sure to set up homeowner’s insurance before closing.

Once your loan is approved, your documents will go to the title company, and you’ll sign for the new home and pay any remaining costs. Congratulations, happy homeowner! Don’t forget to pick up your keys.