
Home Buying Process

Step 1: Prequalify
Sellers and real estate agents want to know that you are qualified to prior to shopping for a home.
Getting preapproved ahead of time is crucial and recommended before looking at homes.
Step 2: Find Home
An experienced real estate agent can help guide you in finding a home that fits your needs and will negotiate on your behalf.
Step 3: Lock Rate
Providing the purchase contract allows your mortgage lender to finalize the terms of your mortgage.
Step 4: Loan Processing
Our team will combine your documentation/information as well as the information from third parties and submit it to underwriting.
STEP 5: Underwriting
The underwriter will review submitted information in two steps.
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Initial Credit Decision, to issue a loan commitment.
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Final Underwriting, to clear all conditions from all parties involved in the transaction.
STEP 6: Closing
A closer will work directly with the title/attorney as outlined in your contract to make sure all final figures balance before you sign for your new home!