How it Works

Our Great Closing Rate
We don't get denials. In our history to date, a total of ONLY three loans have been denied. One was a mobile home and we were terribly mislead; in the second, the client quit his job in the midst of the process; and in the last, the client purchased a car in the midst of the process, making the lender's new credit report show that his debt was now way too high. The credit was weak and our options were limited. Our closing rate is nearly 100%!"

The first, and perhaps most important step in the process is getting preapproved. Having documentation to show your realtor is the best way to ensure that you are seeing the right properties, at a price that is within your budget. If you have already chosen a real estate agent, they will want to see this letter to know that you are a qualified borrower and that they are targeting the right homes for you.

While searching for a home, if you see something that you are interested in, but are unsure of what the payment might be, a quick call to your loan officer and we can tell you right away what the payment might be, based on the projected purchase price, and the taxes on the property. Since we've already got your information, we can estimate that for you in a matter of seconds.

Once you've found a home, and gotten an offer accepted, you will probably schedule a home inspection. This is an optional step, but a wise investment. A few hundred dollars is a small price to pay for piece of mind.

This is the time when you will schedule an appointment with your loan officer. Each of our loan officers has a dedicated assistant that is in the office from 9 to 5 every day. The loan officers can all be reached on their cell phones at any time, day or night, 7 days per week. He or she will make themselves available at a time and place convenient for you. They will let you know what documents are needed at time of application, so that you can be prepared. Typically this documentation consists of minimal items that you would have readily available.

After you sign the application documents, you loan gets delivered to one of our loan processors. Your loan officer will be able to tell you who your processor is, should you need to contact him or her at any point. They will work with you and the investors/lenders to get your loan file cleared for closing.

After your application, you need to make an appointment to meet with your attorney to sign your contracts. Once you have signed contracts, .... there is a bit of waiting. The contracts need to be sent to the seller's attorney, so that the seller can sign them next.

At this point, you should be done with what you have to do! The only thing left is to choose an agent for your homeowner's insurance, and give them the necessary information to set up your new policy. We will need this to be done about a week before the closing.

The steps above should give you a basic outline of the homebuying process. Every case is different, and we handle every client like our only client. We will give you a detailed breakdown for your specific case when we get started. We are happy to hold your hand through the whole process, and show you that it doesn't need to be intimidating. We can provide recommendations for anything from a realtor, an attorney, a homeowner's insurance agent, .... to even a good pizza place! We are here for you in whatever capacity you need.

Call us for more details!