The Home Loan Process
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Brian McIntosh
Homeownership Financial
Brian is dedicated to helping all clients achieve their goals of homeownership. Regardless of if you are a first-time home buyer, looking to refinance, or to upgrade, he is committed to transparently educating each client regarding their home loan. His knowledge of financing offers clients a greater understanding and confidence about their mortgage decisions. Brian believes that communication is the key to a positive and memorable mortgage experience. He builds his business around that philosophy to ensure that every client receives the best service.
Erin De Armas
Onward Mortgage
Erin has over a decade of experience in the real estate and mortgage industries and recently joined Onward Home Mortgage. Erin and her team continue to be leaders in their field, receiving the President's Award at her previous company, as well as the MBAG Diamond, Platinum, or Gold Awards for multiple years, honoring loan originators who have demonstrated excellence in their field.
Anders Carlson
Vision Mortgage Group
I love guiding people on their path to homeownership, ensuring they feel supported every step of the way. It’s an honor to serve individuals and families as they achieve one of life’s biggest milestones—finding a place to truly call home.
Get Pre-Approval
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.
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!
Application & Processing
What happens when a 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.
Closing
Signing and Finalizing the deal
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!
