Buyer resources
The home loan process.
From pre-approval to keys in hand.
If you haven’t experienced it before, the home loan process can feel overwhelming. The first thing to do is consult with a mortgage specialist. If you don’t already have someone in mind, I’d be happy to introduce you.
Pre-approval
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 your income, assets, and debts to determine how much house you may be able to afford. Ask about the programs that best suit your needs.
Your lender will ask for information about your income, assets, and debts. Documents may include:
- Credit report
- W-2 forms
- Pay stubs
- Federal tax returns
- Recent bank statements
Your loan officer can confirm which documents are needed for your application and explain the loan programs that fit your circumstances.
Application & processing
When you find a property you’re ready to buy, your lender will help you complete a full mortgage loan application and talk you through fees and down payment options. Documents are reviewed, appraisals and title examination are ordered, and the loan goes to an underwriter for review.
Closing
You may be asked for additional documentation or clarification throughout the process. Once your loan is approved, remember to set up homeowners insurance. Your documents go to the title company, where you sign for the home and pay remaining costs. Then the loan is recorded and you get the keys.
Is it a good time to buy?
My goal is to sit down with you, understand your unique situation, and help you determine if now is the right time for you to buy. Everyone’s journey is different, and I’m here to guide you every step of the way.
Do I need to put 20% down for a loan?
Down-payment requirements depend on the loan program and your circumstances. A mortgage specialist can explain available options, eligibility, and the trade-offs of different down payments.
How do I get started with financing?
The first thing to do is consult with a mortgage specialist. If you don’t already have someone in mind, I’d be happy to introduce you. Your lender can help you understand your loan options, down payment, and budget.
Do you work with VA and FHA buyers?
I have experience working with VA loans, and I also work closely with a trusted lender who specializes in them. Let’s talk about your goals and connect you with the right mortgage specialist.
Your next chapter starts with a conversation.
Buying, selling, or just thinking ahead? Let’s talk.