Below are the steps you need to take to get your mortgage and get into your dream home!

7 Steps to Your Dream Home

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Get pre-qualified

Get pre-qualified for your mortgage. It gives you instant credibility and bargaining power.

Make an offer

Make an offer on the property you want. Your realtor will help you prepare the offer terms.

Contact us

Contact us as soon as your offer is accepted. We will give you a list of documents needed to complete your mortgage at this time.

Inspections

Schedule any inspections you feel are needed and we will schedule your appraisal.

Hire an attorney

Provide the name and phone number of your attorney so we can facilitate title insurance, contract addendums, and work towards a smooth closing.

Commitment Letter

When your loan is approved, a commitment letter will be issued by the lender and forwarded to your attorney. It will list conditions that need to be satisfied prior to getting a “clear to close” approval.

Clear to Close

Once we get your “clear to close” from the lender, your closing date will be set by your attorney. A Closing Disclosure / CD will be produced prior to your closing, which will determine credits and adjustments to take place at closing. It will also determine exact funds required to close. You will need a cashiers check or bank check at closing.

Purchasing your dream home may be easier than you think.  Your mortgage eligibility plays a key role in how real estate agents and home sellers view you as a prospective buyer.  Getting prequalified is a key step in the process for the serious home buyer.  Once you know how much home you can afford, you can see the possibilities in the homes you view.  Once you make an offer on a home and it is accepted, your mortgage broker will help you with the rest of the requirements.

We help people finance their dream home!