Home Buying
Process
1
Initial Consultation
An initial consultation with a loan officer is essential to understand your financial options and navigate the lending process effectively. During this meeting, you can discuss your financial goals, explore different loan products, and assess your eligibility. The loan officer can help clarify complex terms, identify potential challenges, and provide personalized advice tailored to your situation. This foundational conversation ensures you make informed decisions, ultimately leading to a smoother loan application experience.
2
Application
Complete the application and submit.
3
Submit Documents
Proof of Income: Collect and make copies of your recent pay stubs.
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Tax Information: Assemble your W-2 forms, 1099 forms, and tax returns for the past two years. If you are self-employed or an independent contractor, please include your 1099.
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Credit Details: A credit check will be conducted as part of your application process.
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Debt Documentation: You will need to provide documentation regarding your outstanding financial obligations. Please gather information on your current mortgage, auto loans, student loans, and any other debts.
4
Home Shopping
With our pre-approval, you can shop confidently with your agent, knowing you have solid financial backing to support your home-buying journey.
5
Closing
Once you've found your ideal home, you’ll then submit an offer, negotiate terms, and execute a purchase contract. When your offer is accepted, our closing team takes over to ensure a timely closing. While we may request updated documentation, we will remain your main point of contact throughout the process.
