The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short- and long-term financial goals so we can customize an affordable loan strategy fit for you and your family.
The goal of completing an application is to gather as much information as possible up front so your loan officer can best determine all the available loan program options.
At this stage your loan officer will share how much home you can afford, what your monthly payment will be, and how much money you will need at closing. Each of these variables is as wide-ranging as the types of clients we serve and will be tailored to your specific financial needs and priorities.
This is where we need your help! You probably sent us several requested documents during the application, but as we continue building the loan file, there may be other requirements that come up.
Submitting your income and asset documentation upfront allows us to fly through the underwriting process quickly. Fortunately, our iThrive mobile app allows you to upload from anywhere at any time. You can even take a photo of the document and upload directly! How cool is that?!
If you didn't come to us with a Realtor partner to help you along, let us know. We know the best ones to work with in your area and would love to make an introduction!
Once you find a home and the seller accepts your offer, we’ll order an appraisal and finish the rest of the process. From here on, this is where the FUN part begins!
The underwriter reviews the appraisal, the contract, and the rest of the loan file to verify we have all of our conditions met and documentation in order for a final approval.
Our in-house closing department works with the attorney to assemble the final paperwork.
Everything we do leading up to this point ensures a smooth and exciting experience.
We want you to enjoy this moment as you receive the keys to your new home!
.jpg)
