Kristi Kaylor
(206) 371-2930kristikaylorrealestate@gmail.com
 

The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

It's a good idea to visit with your loan officer and be pre-approved for a loan amount before you start shopping for a property to purchase. In order to estimate how much housing you might be able to purchase, the lender now compiles information about your income, assets, and obligations. This includes current bank statements, a credit report, W-2 documents, pay stubs, and federal tax returns. Get pre-qualification for the exact loan programs that best meet your needs as there are several options available.

We Assist You In Getting the Best Loan

START THE PROCESS

​We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

WHAT HAPPENS WHEN A LOAN GOES "LIVE"


When you locate a home you want to buy, your lender will work with you to complete a thorough mortgage loan application and go over the different costs and possibilities for a down payment. The application is sent for processing, where the supporting documentation is examined and orders are placed for appraisals and title checks. The loan is next forwarded to an underwriter, who examines it and, if it complies, authorizes the full loan.

Closing

SIGNING AND FINALIZING THE DEAL

If you are requested for further information or documents at any point during the process, don't be shocked. Don't forget to get homeowners insurance as soon as your loan is authorized. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

Get Started Today

START THE HOME LOAN PROCESS

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