01 — Pre Approval Process

• We Check Your Credit Score: Your credit score is important in choosing which program is best for you

• Gather Financial Documents: Collect your income statements, tax returns, and details of your current debts and assets.

• Pre-Approval: Using our technology and our team of experience advisors we seek the best program to fit your needs and in your budget.

02 — House Hunting

• Determine Your Needs and Wants: Make a list of what you need and want in a home.

• Hire a Real Estate Agent: We can assign you an agent from our network or you can find find your own. This can help you find homes that meet your criteria and guide you through the buying process.

• Visit Homes: Tour homes in your desired locations and within your budget.

03 — Making an Offer

• Choose the Right Home: Once you find the right home, work with your agent to make a competitive offer.

• Negotiate Terms: Be prepared for counteroffers and negotiate terms like the purchase price, closing date, and any contingencies (such as repairs or inspections).

04 — Getting An Mortgage

• Complete a Mortgage Application: Submit a full application for your desired home.

• Loan Processing and Underwriting: Someone from our team will verify your financial information and the home’s value.

• Loan Approval: Once approved, you’ll receive a commitment letter outlining the terms of your loan.

05 — Closing The Deal

• Review Closing Disclosure: This document outlines the final terms and costs of your mortgage.

• Conduct a Final Walkthrough: Ensure the home is in the agreed-upon condition.

• Closing Meeting: Sign the necessary documents, pay closing costs, and receive the keys to your new home.