When applying for a new mortgage, here is an informative checklist of what you can expect:

Step 1- Reach out to us, so that we can give you the list of necessary documents to gather such as pay stubs, tax returns, and bank statements.

Step 2- Check Credit Score with us. We will review your credit score and report with you.

Step 3- Determine your budget. We will evaluate your financial situation and determine a comfortable budget for your mortgage payments.

Step 4- Review your mortgage options. We will review different options, such as fixed-rate, FHA, or other kinds of loans to find the best fit for your needs.

Step 5- Get pre-approved. We will provide you with a pre-approval letter, which shows your max loan amount you qualify for so that you can comfortably shop for your property.

Step 6- Provide additional documentation to underwriting. We will have your application reviewed and gather supporting documentation to keep your process moving smoothing.

Step 7- Home appraisal. The home will be appraised to ensure the value aligns with the loan amount.

Step 8- Final approval and Closing. We will coordinate with your real estate agent, the closing company, and other parties to schedule your closing.

Step 9- Enjoy your your property! Please remember that your referral is our greatest compliment! Please consider recommending our services to others!