Mortgage Process in Georgia



You’ve found your dream home in Georgia and can’t wait to move in. Not so fat, first you’ll probably need to do a little research about different mortgage types and go through an application process. With so many mortgage options available, it’s important to take some time finding the right one for your situation. Factors like  your credit rating, your income, and your budget will play determining factors.


Though there are so many lenders in Georgia offering many types of mortgages, they all typically follow the same extensive mortgage process in Georgia. The process usually starts by contacting at least one mortgage lender and obtaining quotes. Good lenders will respond quickly, but take the time to familiarize themselves with your situation and go over your different options.


You might also need an appraisal for your dream home, to find out it’s worth and if it meets lending criteria. Once the appraisal is done, you will then submit all the information to a lender for review. With the given information, they will be able to tell you how much you can be approved for, or if something is stopping you from being able to get a loan.


Once the mortgage is approved, you will be able to review the terms and conditions, ask further questions, and review your loan before you finalize the paperwork. As long as there are no complications or confusions, you’ll be one step closer to buying your dream home.


As you can see, the mortgage process has many steps and can be an overwhelming process. If you have any questions, or would like some help navigating through the wide wonder world of home loans, Moreira Team would love to help. We care about your happiness, and work hard to make sure you’re getting the best deal. With our years of experience, up to date market knowledge, and solid relationships within the industry, you’ll find yourself on your way to decorating your new home before you even know it.


Georgia County Mortgage Service Areas