7 Steps to getting a Home Loan

Review your credit score (higher scores usually get better rates).

Calculate your debt-to-income ratio (lenders prefer below ~43%).
 

Save for a down payment (typically 3%–20% of the home price, depending on loan type).
 

Build up savings for closing costs (2%–5% of purchase price). offers? Say it here.

Use mortgage calculators to estimate monthly payments.
 

Factor in taxes, insurance, HOA fees, and maintenance.
 

Set a budget based on comfort, not just lender approval.here.

We can help you determine an approximate loan amount without having to go through an entire application. 

Contact us. We shop multiple Wholesale lenders, so you can get the best program, terms, and rates.
 

Submit financial documents (pay stubs, W-2s, bank statements, tax returns).
 

Lender issues a pre-approval letter showing how much you qualify to borrow.
 

This strengthens your offer when making bids on homes.
 

Work with a local REALTOR or shop on your own. (We can refer you to a qualified local REALTOR.)

REALTORS are valuable and can help you find the right home and negotiate the best price, terms, and conditions.
 

Submit an offer once you find a suitable property.
 

Seller accepts, and you enter a purchase contract.

Provide updated financial documents to your chosen lender.
 

Lock in an interest rate if you choose.
 

Complete a full loan application (beyond pre-approval).

Lender orders an appraisal to confirm the home’s value.
 

Title search ensures the property has no legal issues.
 

Underwriter reviews your finances, employment, and the property details.
 

You may be asked for additional documents (called “conditions”).
 

Receive the Closing Disclosure (3 days before closing) showing final costs.
 

Bring your down payment + closing costs (via cashier’s check or wire).
 

Sign final loan documents.
 

Ownership officially transfers to you—keys in hand!

 

You've worked so hard, filled out a ton of paperwork, and did what you had to do, to get to this point. 

Now collect your keys and get ready to move into YOUR new home! 

After closing and funding, it's time to CELEBRATE!