1.) Speak with us to get pre-qualified.
5%
2.) Submit Supporting Documents
10%
3.) Receive Pre-Approval Letter.
15%
4.) Work with qualified, and professional Realtor. (We can recommend people)
20%
5.) Find a home that you desire, and make an offer with the guidance of your realtor.
25%
6.) Take a copy of your check on deposit, and forward it along with the fully signed Purchase and Sales Agreement to your applications secured site.
30%
7.) At this point your loan officer may ask for updated paperwork. Please upload to file
ASAP.
35%
8.) Check emails daily for correspondence and paperwork to e-sign.
40%
9.) Your file wil go through underwriting for approval.
45%
10.) Submit any conditions that the underwriter is asking for ASAP.
50%
11.) Make payment for appraisal, if applicable, via a link through email.
55%
12.) Shop for Homeowners Insurance and present the agents contact information.
60%
13.) Title is ordered through your attorney representing you on the transaction
65%
14.) Once appraisal and title work are available your loan goes in for final approval and for the status of Clear to Close.
70%
15.) E-sign for final Loan Estimate and paperwork.
75%
16.) Your loan is now scheduled to close through the lender and your attorney.
80%
17.) Show up to closing with a certified bank check for any remaining deposit balance and closings costs (If applicable).
85%
18.) RECEIVE YOUR KEYS to your new house.
90%
19.) Give shout outs through social media and refer your family and friends to your Loan Officer, if they have earned those special privileges.
95%
20.) Make it your home with many happy memories.
100%
This list may seem a little daunting. However with the right Licensed Mortgage Loan Officer, and with yours and their upfront timely work, the process will go smoothly. Remember, throughout the process, do not leave your job. Do not make any late payments. Do not buy anything (furniture, vacations, cars, etc). Save money where you can.
Contact me:
Beth Goulet
Loan Officer
