Navigating through the Home buying Process

 Sit down with your Loan Officer to discuss the mortgage process and your budget for the monthly payment and down payment. Provide income and asset documents to obtain a offical Pre-Approval.

  Work with your real estate agent to find a home and place an offer. Your pre-approval letter will give you the negotiating power you need, and let the seller know that your financing is certain.

  You have the option of hiring a home inspector to evaluate the condition of the home before finalizing the purchase. it is highly recommended to hire a home inspector once you sign a contract on a home.

 Gather all required documents needed to complete the application. once document have been reviewed, You will receive a Loan Estimate to review and sign.

 Your application will then be sent to an Underwriter for a conditional approval. While your loan is being reviewed by an underwriter, you may be asked to provide additional documents.

 Once everything is clean and clear, The Loan Officer will receive a Clear to Close and then they will have you review and sign Closing documents. Once everything is signed, you'll get the keys to your forever home!