THE HOMEBUYER’s JOURNEY
START
MEET OUR TEAM
GET PRE-APPROVED
Let us make your home buying experience stressfree! We will guide you through the process.
Documents to prepare: driver’s license, social security card, credit history, tax returns, pay stubs, bank statements.
TAKE THE RISK APPLICATION PROCESS Let’s get started with or lose the chance
CLOSING You are at the finish line! Welcome to homeownership!
ESCROW Escrow holds your funds to meet the terms and conditions of a written purchase contract.
The Do’s and Don’t After Submitting Your Mortgage Application DON’t DO Stay current on all payments on existing accounts
Apply for new credit of any kind
Notify your lender of any changes to your loan amount
Change employment before closing
Obtain homeowner’s insurance as soon as possible
Close credit cards or pay off collections
Notify your lender of notifications you receive from creditors that may impact your credit health
Work with our team to find a home in your budget that meets your needs.
YOUR HOME SEARCH STARTS HERE
Co-sign for anyone else’s loan or credit card Switch banks or move money around
TITLE
PREVIEW PROPERTY We’ll schedule a showing so you can see if the home fits your family’s needs.
The title company complies all paperwork and documents to be signed by all parties, to ensure property is clear of any past liens.
MAKE AN OFFER
NEVER LOOK BACK APPRAISAL
It will hurt your neck
FIND A HOME
The appraiser goes out to inspect and get property value of the home. There may be lender required repairs.
PROCESSING / UNDERWRITING Processor receives document, and then submits to the underwriting department for review.
Make an offer and we begin negotiations with the seller’s agent.
SET A GOAL