Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about 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.
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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.
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 title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
I love my job and enjoy helping my clients take the stress out of a potentially confusing transaction. Often my clients tell me my care for them and enthusiasm really shows. In fact, we have such a great time together during the process that many of my past clients and real estate agents have become great friends. Purchasing a home should be an exciting and enjoyable experience, my team is here to help you make the best choice for your future and relax throughout the process.
We pride ourselves on truly listening to our client’s needs, our communication throughout the transaction and our ongoing service to our clients. We are always on the lookout for possible bumps in the road and we keep a close eye on the financial markets and news that could affect your interest rate. In other words, we are always looking out for our client’s best interest. We are knowledgeable in both purchase and refinance transactions, with extensive experience ranging from first time home buyers, FHA/VA, Jumbo products to investor specialties.Learn More