Start The Process:
This step is the most overlooked part of the entire process. When looking to buy a home, many families start with a real estate agent. While they can help you look for and negotiate a home, they do not know if you even qualify for a mortgage. Most Realtors® know this and will ask for a pre-approval letter prior to starting your home search.
In this step of the process, you will:
Find Your New Home:
With a pre-qualification/pre-approval letter in hand, it is time to find your dream home. If you already are working with an agent, we will be communicating with them about your readiness and get them anything they need to start the home search. If you do not already have an agent, we will have a referral for the perfect one ready. We only work with the best agents and have no trouble helping you find someone sure to represent you diligently.
Finalize Loan Application:
Once you have found your dream home and have an accepted purchase agreement, it is time to start the mortgage process. You will:
Processing:
Processing will help build your loan file to speed through underwriting. They will:
Underwriting:
For most, this is the most intimidating part of the process. However, underwriting is nothing to be scared about. They are here to verify everything that has been submitted and ensure it all checks out. It is common for them to come back and ask for what is called “conditions”. Working with the team to get these will help your pile get fast-tracked for closing. Underwriting will:
Sign Documents:
Underwriting has given their final approval! You are now in the final stages of the mortgage process. This includes:
Get Your Keys:
You are now a homeowner. While we pride ourselves on guiding you through this process, we understand that it is no easy feat. After your loan funds and records:
Interested in speaking with someone who can take you from Step 1 to Step 7? Click here and schedule an appointment with one of our experienced loan officers.