Here’s a brief overview of what to expect in the home loan process when we work together:
Step 1: Pre-qualification
Pre-qualification is a relatively quick initial step in the process of attaining a mortgage loan. Getting your pre-qualification helps you determine what you can afford so you can set your home search parameters appropriately from the start. If you’re thinking about purchasing a new home, I suggest you learn about how things like your credit score can impact your home loan numbers. If you’re ready to get started on the home loan process now; click the link to fill out my secure online loan application form and I’ll get back to you right away to discuss the numbers so you can start shopping in earnest!
Step 2: Pre-approval and underwriting
Obtaining a pre-approval will allow you to quickly and confidently present your strongest offer to the seller when you find a house you love. I’ll help you lock in the best home loan rate possible and will take all the necessary steps to move your funding from start to finish without stress, keeping you informed and educated throughout the process. If you run into any questions or concerns during this early phase, I’m here with answers and support.
Step 3: Find your new home
With your qualified pre-approval letter in hand, you can now start shopping for your new home. If you need referrals to great real estate agents in the Portland, Oregon or Vancouver, Washington areas, I’d be happy to connect you with one of my exceptional colleagues. Even with the right agent, you may find a home you want to make an offer on quickly, or it may take a bit longer. If things in your life change during the home-shopping period, we’ll work together to make sure your loan information stays up to date.
Step 4: Make an offer
This is one of the most exciting times in the home buying process! Everyone from your agent to your mortgage broker is on your team and rooting for you and working together to help make it happen. Once you’ve found a home you love, your realtor will work with you to submit a competitive offer and real estate contract, along with our pre-approval letter to ensure your offer is taken seriously.
Step 5: Close the deal!
As we approach the closing date on your new home, we’ll ensure all final conditions of the sale are signed off and proceed towards a successful closing. It’s my goal to help get you the financing secured for your new home without any stress – and I’m on your team until the keys are in your hand and you’re all settled in.
If you’re ready to start the home loan process I’d love to learn more about what your goals and dreams for home ownership are. Give me a call anytime, or start your home-loan prequalification now by submitting your info directly to me using this handy online form.