As a husband and father of 4 boys, I know what you go through every day to provide for your family or what you are going through if you are a first time buyer. I have become an expert in my field and a trusted advisor to hundreds of homeowners. Now, more than ever, you need a knowledgeable, local lender in your corner to make sure the Mortgage approval process goes smoothly. I am happy to answer ANY questions you have to make sure you understand all of your options completely. My pledge to you is that I will come through as promised, on time, and keep you informed every step of the way. I owe my continued success to the referrals I received from many satisfied clients.
For a fast pre-qualification or refinance analysis, call me any time…. Even nights and weekends. I’m available outside normal “banker hours” because I know how busy your life can be.Apply Now
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.
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
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.
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!