BUY A HOME
Step One - Determining how much $ you can borrow.
How much of a monthly payment can you afford? This is a function of several items, your unique credit situation, employment history, income to debt ratio, and assets. This will tell you the price range of the homes you should be looking at.
Step Two - Pre-qualifying you for a loan.
By providing us with some basic information which involves providing your financial documents, employment information, assets, residence history and with your personal credit report to analyze it thoroughly, then will be able to issue you a Pre-Qualification Letter which will empower you to make the best possible offer on a property.
Step Three - Apply Now! We Make the Process Easy!
Once you’ve made an offer to purchase a property and it has been accepted, Now is the time that you and your loan officer will finalize the loan program that will be most beneficial to you financially and complete the rest of the application and gather the rest of the necessary documents. Our Loan Professionals will work with you every step of the way to ensure you with a smooth and pleasant experience.
Step Four - Closing and the Funding of Your Loan.
Your real-estate agent will work with the seller to select a title/escrow company to handle the closing transaction and funding of your loan once we have your final approval.
We’ll coordinate with the title/escrow company to make sure all the documents the lender will require are in perfect order. Then it is the time where you meet at your agent’s office or title company location to sign your loan documents and the new deed to your dream home. Depending on where you live the keys may be given to you that day or within the next 48 business hours.
CONGRATULATIONS! You are now the proud owner of your dream home!