The first step to your new home loan is the application. With the basic information in hand, I will work with you to determine the right loan for you. There are many different things to consider when choosing your new loan type, and I'm here to help. I'd be happy to assist you with your application over the phone or at my office. Once your application is submitted, you'll want to start gathering important documents such as recent pay and bank statements.
Loan approval is clearly a very key step in the process and comes from our underwriting team. Once approved, I will be in touch to deliver the good news and to schedule your closing date. If you are buying a new home, this is the time to start contacting utility providers at your current residence and the new one about service and address changes.
The final and most exciting step is the closing. This is where you'll get the keys to your new home and sign a variety of legal and other documents including your new mortgage. If you are closing on a new home purchase, various other people may attend the closing, including attorneys, real estate professionals and your seller.
All loan processing and underwriting occurs. During this time, our teams will work with you to ensure that all paperwork has been submitted and that everything is in order for a final approval of your new loan. We adhere to stringent lending policies that keep us on solid financial ground and instill confidence in all of our lending clients.