The Home Lending Process
We make getting a home loan easy! In just a few steps you’ll know your ideal price range, what to except in monthly payments, current rates, different loan options, and the Do’s and Dont’s of applying for a mortgage.
Consult
Learn about different loan options based on your budget and needs.
Get Pre-Approved
Buyers almost always require a pre-approval letter. Once pre-approved we can provide you with a pre-approval letter specific to the home you're writing a contract on.
Order Home Inspection
You'll have a period in time allocated to have the home inspected. You'll want to get this done as soon as possible!
Stay On Track
Once in a contract the title company will start getting all paperwork that is required. Be sure to stay in touch with the title company and us to make sure all documentation has been provided.
The Do's and Do Not's
Once you begin your mortgage application there are a few Do’s and Do Not’s you need to follow. If you have any questions do not hesitate to contact us!
Do
- Call your loan officer if you have questions.
- Provide requested documentation promptly
- Continue living at your current residence
- Continue Making Mortgage or Rent Payments
- Continue to use your credit as normal
- Keep working with your current employer
- keep your same insurance company
- Stay current on all your existing accounts
- keep good financial recoreds
- Notify your loan officer if you expect to receive gift funds from a relative, employer, union hall, or non-profit organization
- Notify your loan officer of any depletion of funds needed to close
Do Not
- Change employment or maritial status during loan process
- Make any major purchases (car, jewelry, etc)
- Change bank accounts
- Make any large cash deposits into bank accounts
- Close any credit accounts
- Max out or overcharge credit accounts
- Take out a new loan or co-sign a loan
- Open a new cell phone account
- Pay off loans, collections, credit cards without discussing with a loan officer first
- Take out new student loans
- Take a cash advance on your credit card(s)
Contact Us
Let us know how we can help!
- 239.994.4785
