Ready to Buy?
Our job is to get you financed
Let’s take this home!
If you’ve made an offer on a home or are close, then you’re in the right place. We’ll work with you to find the mortgage that’s right for you with the best rate and terms that you qualify for. We work with multiple lenders, some of which are “wholesale lenders” that are not directly available to the general public. These lenders often have very competitive rates because they don’t have to pay for the same “legacy costs” that traditional lenders do like bank branches or big advertising budgets. We also work with some lenders that offer non-conventional programs for a broader range of offerings to satisfy a greater range of needs.
Key Next Steps
To be safe, you should allow at least a month between the offer and closing in which both parties settle the transaction and money and the deed is exchanged. This will allow time to collect all documentation, conduct due diligence on the property, address any questions from the lender (or any other party to the transaction) and includes federally mandated review periods.
01 - Align on Program & Rate
Get in touch and let us know a little bit about what you’re looking for by filling out a 2-3 minute form. We’ll follow-up ASAP to discuss which program(s) and associated rates are the best fit.
02 - Application & Loan Package
With your alignment, we’ll send you a loan application and a list of documentation you’ll need to provide in order for us to provide the lender with what they will need to ultimately approve the loan. And within 3 days of you completing the application we’ll also send you a formal “Loan Estimate” (LE) which will include the rate and estimates for all closing costs and fees associated with the loan. This is the point at which we’ll also typically obtain a rate lock.
03 - Behind the Scenes
We’ll take the lead on everything that happens up to the loan closing including obtaining a property appraisal, required title work, calculating prepaids including interest and taxes, and of course providing everything to the lender. Although we try to obtain everything upfront, occasionally the lender will require some additional items or have additional questions for you which we’ll partner with you to address.
04 - Closing
Once all the main participants (buyer, seller, lender, brokers, etc) have agreed on a closing date, we’ll provide you with a Closing Disclosure (CD) that itemizes the entire financial transaction including all closing costs and fees and work with the closing attorney to ensure everything is in order for the big day.
Ready to chat? Click the link below to fill out a brief 2-3 minute form which provides us with a bit more information and helps us prepare for a productive discussion. We’ll get in touch ASAP!