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    The Home Loan Process

    Demystifying Home Loans

    If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

    Get Pre-Approval

    Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

    Application & Processing

    WHAT HAPPENS WHEN A LOAN GOES "LIVE"

    When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

    Closing

    SIGNING AND FINALIZING THE DEAL

    Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

    Ready to Start?

    Contact Karen Brannen

    NMLS #85656
    karen@houseofloans.net
    (704) 661-2209

    What I can help you with

    My team and I are here to answer any questions you have. I can help you understand more about:

    • Loan programs
    • Rates
    • The loan process
    • What you'll need for your application
    • What to expect after you complete your application

    Apply Now

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    Arizona
    7702 E Doubletree Ranch Rd, Ste 300
    Scottsdale, AZ 85258
    Lic. #BR691956000

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    15233 Ventura Blvd, Ste. 1010
    Sherman Oaks, CA 91403
    Lic. #01955105

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    Atlanta, GA 30303
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