The pre-approval is the initial step in the loan process. To apply for mortgage pre-approval, click on (apply now). The pre-approval is a no-cost, no obligation service that I provide to my clients. Typically, the pre-approval application is completed prior to beginning the home search. The pre-approval will help to determine comfort level as well as maximum price range.
Information required for the loan process includes pay stubs, W-2's, and bank statements. By evaluating credit, income, and assets, I am able to advise my clients of the best possible financing options.
Once there is a signed purchase agreement, I provide good faith estimates and current mortgage interest rates. By evaluating current market trends, I will give recommendations on when to lock-in the mortgage interest rate. An appraisal will be performed. A title search will be completed. Throughout the loan process, I will be available for any questions or concerns that may arise. When someone is waiting for information as important as the financing of a new home, there can't be too much communication. My pledge is to keep clients informed every step of the way.
The closing completes the loan process. My clients can rest assured that there will be no surprises at closing. I have the experience to foresee and handle potential problems before they arise. The guidance that I provide can take the stress out of any home financing experience. Home financing should be simple, straightforward, and stress free.