HOME LOAN PROCESS
HOME LOANS MADE EASY
The home loan process can feel a little overwhelming to some buyers, which is why we make a special effort to ensure you stay fully informed, educated, and empowered throughout the entire loan process - from pre-approval all the way to closing.
The first thing to do is consult with a lender (or two). If you don’t already have someone in mind, take advantage of our extremely short list of lending professionals we have personally vetted on your behalf and who we know will take excellent care of you. The lenders we know are professional, responsive, knowledgeable, and very competitive with both rates and loan costs.
Determine Your Loan Type
Our lenders utilize all loan channels including mortgage brokering, mortgage banking, and direct, portfolio, and correspondent lending.
In addition, our preferred lenders provide all loan types including:
» Conventional, VA, FHA, & USDA Loans. » Portfolio Loans
» Bridge Loans . » Home Equity Loans
We’ll introduce you to the best lender for your specific situation so that we can ensure you’re getting the lowest interest rates, most competitive loan costs, and that you’re paired with the best loan programs that best fit your individual needs.
Application & Processing
WHAT HAPPENS WHEN YOU GO UNDER CONTRACT
When you find a property you’re ready to buy, your lender will help you complete a full mortgage loan application, talk you through the various down payment options, and quote you an estimate of loan fees (Good Faith Estimate or “GFE”). The application is submitted to processing, where the documents are reviewed and the appraisal and title work are both ordered. After processing, the loan is sent to an underwriter who reviews and approves the entire loan for compliance. Following final underwriting the loan is deemed “clear to close” and the Closing Disclosure (CD) with finalized loan figures is issued at least three business days prior to closing.
We Help You Get The Best Loan
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!