Step 1: Determine how much you can borrow
How much of a monthly payment can you afford? Given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? Our calculators will give you a basic idea of how much you can afford monthly. We’ll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we will get you a clear understanding of what kind of terms and loan program you can expect to benefit most from.
Step 2: Pre-qualify for your loan
This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. When we factor in all this information, we give you a Pre-Qualification Letter. Handle it with care! To a seller, it’s like a suitcase full of cash! Your real estate agent will use your Pre-Qual (as they may call it) to make the best offer on the home you choose, and the seller knows you’re pre-qualified. It gives you buying clout! And while you’re picking out the home that’s right for you, we’re busy finding the loan that’s right for you.
Step 3: Apply now! We make it easy
Once you’ve made an offer and it’s been accepted, it’s time to complete the loan application. It couldn’t be easier, and you can do it online, right here on our website. When the time is right, we’ll order an appraisal of your new home.
Step 4: Your loan is funded
Your real estate agent and the seller(s) will work together to designate an escrow/title company to handle the funding of your loan once it’s approved. We’ll coordinate with the escrow company to make sure all the papers your lender requires are in order, and you’ll sign everything at the escrow/title company’s office.
For more information on how to get pre qualified click below