Buying a house and the steps to get there

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To begin the loan process, you  must first pre-qualify. See what's afforded to you.

Not to  be confused with pre-qualification. During this formal process, your Loan Originator will verify your debt, income, and credit so you know exactly how much home you can afford.

It would also be good to start looking for a real estate agent that can make the process much smoother and I can certainly help you out with sorting the correct documents you will need.

Once you find the right home, you will negotiate the terms of sale, include the sale price, repair requests, move-in date, and more. Your agent will then present your offer to the sellers and you'll continue to negotiate until all parties agree. 

Once the seller accepts your offer you can officially begin your mortgage application! You do not have to do it alone. 

All of the documentation we require protects you and ensures that you're getting the best loan possible. 

Most home purchases require an inspection for things like pest infestation, water damage, and potential safety hazards.

The appraisal ensures that there are no discrepancies  exist between the sale price and the appraised value of the house. The title company conducts a search for any liens against the property.

Fire and hazard insurance is required on the replacement value of your home. Depending on your home's location, you may need flood or earthquake insurance too. 

The processor assigned to your loan will package all of your transaction's information and send it to the Underwriter for the final review.

The underwriter reviews  that you still meet the  requirements and to make the final decision on whether to approve your loan.

You'll meet with an attorney and/or notary to sign the final documents and provide the necessary funding to complete the transaction.  

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These are the basic steps in purchasing a house. 

I'd be happy to guide you through this process and get you into the home that's right for you.