What are the steps when buying a new home?

  • Get Home Ready
  • Upfront Approval Guarantee
  • Get Under Contract
  • Rate Lock
  • Funding
STEP 1

Ready to Purchase Your New Home!

Congrats! You’ve made the decision to buy a new place! First, fill out our online loan application or Custom Rate Quote and schedule a time to talk with one of our Licensed Mortgage Advisors, who will:

  • Consult with you to answer ALL your questions about the mortgage process.
  • Go over all the steps involved when purchasing a home.
  • Go over options to start thinking about including loan programs, rate options, monthly payment and total cash to close.
  • Go over the complete list of documentation you will need to provide.
  • Get you access to our secure online portal to upload documentation for an upfront approval guarantee!
STEP 2

Upfront Approval Guarantee

We will review, verify and process your application to provide you
accurate information on the following:

  • Provide detailed cash to close, rate and payment information to make sure you’re comfortable with everything.
  • Our underwriter will make sure you’re 100% qualified​ with no
    outstanding issues, to avoid any surprises once you are in contract.
  • Deliver an Upfront Approval Guarantee letter – so you can start your home search with confidence!
  • If you need a superstar realtor, we can recommend agents that will help you find your new home
STEP 3

Get Under Contract

You start making offers on home you love with the help of your
realtor.

  • Find homes that meet your needs and come up with an offer you would like to make (knowing upfront your fully approved and what it will cost)
  • Get your offer accepted and go binding on your contract.
  • Schedule inspection, appraisal, provide the earnest money deposit, and start preparing for closing day!
STEP 4

Lock In Your Interest Rate

Once you are under contract, we are able to secure your financing
and lock in your interest rate.

  • Update the underwriter and verify the title work on the property.
  • Shop over 28 lenders for the best rate and costs and lock your loan in to avoid rates increasing.
  • Email your disclosures securely through our portal for e-signatures.
STEP 5

Close On Your Home

Once all the disclosures are e-signed our processor will prepare
everything to ensure a smooth closing on your new home

  • Submit the loan for a clear to close with the underwriter
  • Clear the final conditions and schedule your closing.
  • Send your wire for down payment and closing costs to ensure a smooth closing

Awesome! You are a new homeowner!

Next Step