Buying process

Prequalification
-Meet with a loan officer so you know your budget for a home.
Meet with Real Estate Agent
-Find the type of home you’re looking for within your budget, then make an offer
Negotiating Purchase Price
-Once you and the seller agree on a price, a contract is created, and accepted.
Earnest Money is Cashed
-A copy of the contract is sent to your lender
Inspection
-You will need to hire someone to inspect the home, and share ALL
invoices with Title Company and Lender
Apply for the Loan
-See our preferred lender Document Checklist for updated documents needed to complete your application
Loan Estimate & Disclosure
-Loan Estimate and disclosure sent/delivered to Borrower. Borrower must perform “Intent to Proceed.”
Underwriting
-An Underwriter will review your loan application and determine if additional info is needed
Final Loan Approval
-Once all information has been approved, your loan is moved to
“Clear to Close” status.
Closing Disclosure
-Closing Disclosure sent to Borrower Borrower should share with Realtor unless prior consent for Lender to share has been received.
Closing Documents
Closing documents are sent to the title company.
Money for Closing
Our preferred lender will contact you with final figures and info.
Final Closing Step
Meet to sign closing documentation at the title company. Bring a
Cashier’s Check and your photo ID!
The Loan is then Funded!
YOU ARE NOW A HOMEOWNER!