financing your home
get smart & learn about
the home loan process
If you haven’t experienced it before, the home loan process can feel overwhelming, but I will help you stay informed throughout the process. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, I can refer you to some local lenders that I have worked successfully with in the past.
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. 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.
Start Your Home Search
Search for homes wherever you are
When buying a home, start by making a wish list and setting a budget. I can help you choose a lender to get you pre-approved for a loan, and then you're ready to start house hunting. Search for your dream home from any device on my website. You can even compare walk scores, school ratings, and neighborhood demographics for different listings. Give me a call when you are ready to start looking in person!
application & processing
your 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.
make an offer
& let's close on a home
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 and utilities. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then, a day or two after you sign, the loan is recorded and you get the keys. Congratulations, happy homeowner!
