The Mortgage Process
Working with an experienced and knowledgeable mortgage lender is extremely important in the home buying process. Selecting a loan officer that you can sit down with to explain your unique needs and desires will reduce stress and make for a smooth transaction. You’re probably looking for:
Someone in your neighborhood who can explain to you how a Conventional loan is different from an FHA loan. What a rate lock means and other procedures such as TRID guidelines.
Someone who can answer your calls day or night. Someone who is confident in their process and skills.
Someone who won’t try to fit you into a box, but knows your unique situation and can craft a mortgage solution to fit YOUR needs.
Having a pre-qualification letter in hand before you begin shopping for a home shows sellers that you’re serious about making an offer and ensures that you’re on target to qualify for a mortgage on your home of choice.
Assuming you’ve already completed the prequalification process, your loan officer will update and submit your official loan application. You may need to submit additional documents or meet additional criteria during this stage.
Congratulations, you’ve made it to closing! We’ll be by your side to navigate you through the paperwork and complete a successful transaction.