Get started today for the lowest interest rates in Florida with affordable closing costs.
Let’s start out with a quick chat to discuss your goals. We’ll ask a few questions to get an understanding of your financial situation and ask for some documentation to get the pre-approval prepared.
After you know how much you can afford, the fun begins! Once you've found your the home you want, you're ready to make an offer. Often times, an earnest money deposit(1-2% of purchase price) is required to show that you are seriously interested. Don't worry, this money will be applied to the down-payment later.
Once the seller accepts your offer, we can get started on your mortgage. This is where we collect all of the documents we'll need and pull your credit. We'll dive into many of the things we discussed on our initial call in more detail, just to make sure that we haven't missed anything that would impact your ability to get the mortgage.
After we've collected all of the documentation we need, you'll receive a loan estimate to review and sign. Then we'll begin packaging all of your documents for the lender, and submit it for underwriting.
The underwriter works for the lender, and will review each aspect of your application. They will order an appraisal of the property to ensure that the price of the property meets the amount they are lending you. We may wait for approval to lock your interest rate but in most cases, we'll do this before the final approval is given.
Once your loan has been approved, we can schedule the closing - almost to the finish line! You'll review the final documents, sign, and receive the keys to your new home. You'll have three additional days to review the documents and 24 hours to walk through the property, esuring that the property has been vacated by the sellers and any required fixes have been made.
Let’s start out with a quick chat to discuss your goals. We’ll ask a few questions to get an understanding of your financial situation and ask for some documentation to get the pre-approval prepared.
After you know how much you can afford, the fun begins! Once you've found your the home you want, you're ready to make an offer. Often times, an earnest money deposit(1-2% of purchase price) is required to show that you are seriously interested. Don't worry, this money will be applied to the down-payment later.
Once the seller accepts your offer, we can get started on your mortgage. This is where we collect all of the documents we'll need and pull your credit. We'll dive into many of the things we discussed on our initial call in more detail, just to make sure that we haven't missed anything that would impact your ability to get the mortgage.
After we've collected all of the documentation we need, you'll receive a loan estimate to review and sign. Then we'll begin packaging all of your documents for the lender, and submit it for underwriting.
The underwriter works for the lender, and will review each aspect of your application. They will order an appraisal of the property to ensure that the price of the property meets the amount they are lending you. We may wait for approval to lock your interest rate but in most cases, we'll do this before the final approval is given.
Once your loan has been approved, we can schedule the closing - almost to the finish line! You'll review the final documents, sign, and receive the keys to your new home. You'll have three additional days to review the documents and 24 hours to walk through the property, esuring that the property has been vacated by the sellers and any required fixes have been made.
