Here's an overview of the loan-application process.


STEP ONE - Determine how much you can borrow

Call me to find out how much home you can buy, even before you begin looking. Once you've answered a few simple questions, I'll calculate your buying power, based on standard lender guidelines.

STEP TWO - Pre-Qualify and save money

To complete the pre-qualification step, you'll need to supply some brief information about employment, assets, etc. I'll contact you for authorization to obtain your credit report. Once I've reviewed this information, I'll obtain your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, I'll begin looking for the best loan to meet your specific needs. I will use your Pre-Qualification Letter to negotiate the best deal for you.

STEP THREE - Apply! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily. I willl help you through this process. At the appropriate time we'll order a property appraisal for you.

STEP FOUR - Your Loan is Approved and Funded

I will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.
I will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!
I'll Guide you every step of the way!