The first step to homeownership has to be a conversation. It's important for me to know and understand your short and long term financial goals. This conversation assures not only that we answer any questions that you may have but, we put you on the right path and the correct mortgage strategy that meets your needs.
For you to know what you can afford, how much you'll need at closing and what your monthly payments will be you need to get pre-approved. During the pre-approval process we'll review your credit, income and assets. Once you're pre-approved sellers know your offer is serious and you've got the financing you need lined up.
Once you've found a home, we'll gather some updated documents, order the appraisal and send your loan to underwriting for a Conditional Approval.
The penultimate step in the home buying process, Clear to Close means the underwriter has given the final approval on your loan and has authorized us to move to the last step...Closing Day!
Our closing department will work with the title company to generate documents, schedule a time for you to sign your final documents and get the keys to your new home!