We guide you through the loan and home financing process from start to finish
Let us help you achieve mortgage success through your home financing process in five easy steps!
A 10-minute phone call starts the process, whether you are purchasing your first home or refinancing your third home.
- The 10 minute phone call: Let’s schedule a time to talk so I can learn your basic financial information: what you do for a living, your salary, down payment funds and monthly debts.
- A quick and dirty analysis: Based on the information you provide, I am usually able to give you a basic price range. I won’t even need to pull a credit report at this stage.
- You decide: If the price range I give you is realistic for your timeframe and the type of property and neighborhood you’re interested in, you’ll want to move forward with the full pre-approval. If you need to save more money or work on your credit scores in order to qualify, we will work on those items instead.
We learn the details of your finances and long-term goals, then link up with a bank that will give you its official stamp of approval.
- The application: Fill out our simple on-line application, upload your paperwork (pay stubs, W-2’s, bank statements, etc.) and I run your credit.
- Choose a program: You choose a loan program and target price range. Voilà, your loan is approved within 24 hours and you are ready to shop for a home!
- Pre-approval Letter: We will issue a custom pre-approval letter to your real estate agent each time you write an offer.
You have a contract to purchase your new place and we take care of all the details vis-à-vis the realtors, title company, appraiser, insurance and HOA.
- Go-time: This is where we roll up our sleeves and get to work for you, and things move fast!
- The Escrow Account: Your real estate agent will open an escrow account and you will wire in your earnest money deposit.
- Finalizing: We will update your file and ask you to sign the loan application and disclosure forms.
- Lock: Your interest rate will be locked in and we will order your appraisal.
- Submission & Approval: Your loan will be submitted and approved in 4 to 5 days.
We help you line up your closing funds and coordinate with the title company so that your closing comes off without a hitch. Time to call the moving van!
- We manage the final steps: We’ll be sure you have provided the correct lender-requested items, a great paper trail for your down payment, and the correct amount of funds to the title company. We will review your final loan paperwork and the closing statement to make sure everything is perfect.
- Signing: We coordinate your signing appointment with the title company and your realtor.
- It’s yours: We’ll let you know when your loan has funded and the house is yours!
We keep in touch to make sure you are happy with your loan. We also just like to say “howdy!”
- We want you to be happy: We want to make you happy and keep you happy. We’ll let you know if a better rate comes along, so we can make sure you continue to have the best loan. We also want to hear about the big changes in your life: marriages, babies, jobs, whatever!
- Keep us in mind: when you need to buy your next house, invest, or refinance, call us first! We also won’t mind if you rave about us to friends, neighbors and colleagues.