1. Get Financially Pre-approved. Pre-Approval will help you immensely during the home buying process. For one thing, it will show sellers that you are serious about buying their home (and financially capable). This can make a big difference in whether or not they accept your offer. Click Here to Start Your Pre-Approval Today!

3. Refine Your Home Search. Your Real Estate Agent will help you define your specific housing and lifestyle requirements and will present those homes which match your specified needs.

4. Present The Offer to Purchase. Once you've found the home of your dreams, your Real Estate Agent presents a written offer to purchase to the seller. The seller either accepts or rejects your offer, or makes a counter offer.

5. Download and Print the Complete Loan Package Checklist. Click Here to Download your Checklist Today. Be Prepared.

6. Reaching an Agreement. You and the seller will agree on the price and terms, including closing and settlement dates.

7. Sale Contract is Executed. We will oversee the contract of sale to assure proper execution.

8. Loan Process is Started. Mortgage Application and Documentation are Reviewed and Finalized.

9. Earnest Money Deposit Is Given to an Escrow Company.

10. Inspections Scheduled. At this time, the various home inspections you have elected will be scheduled.

11. Ordering Title Insurance. An order is placed for clear title verification and title insurance for your new home.

12. Loan is Reviewed by our Loan Processing Department. More Documentation may be needed to move your loan forward to the Final Approval Stage.

13. Purchase Home Owner's Insurance. Obtain homeowner's insurance, which is required by all lenders, prior to closing.

14. Your Mortgage is Final Approved.  Loan has been reviewed by an Underwriter and may need documentation to Finalize the Loan.

15. Loan Documents are Ready. Loan Documents are sent to the Escrow Company. Establish the desired time and location of Loan Closing with the Escrow Company.

16. Transfer of Utilities. Review the transfer of utilities with your Real Estate Agent.

17. Review Closing Costs. A break down of the closing costs and an approximate amount needed to close your loan are reviewed with you.

18. What to Bring to Closing. Bring two forms of Identification to closing.

19. Funds to Close. Closing Costs and/or Down Payment are sent to the Escrow Company. Either a Cashiers Check or the Money is Wired Directly from your Bank.

20. Loan is Funded. Loan Funds are wired from our Company to the Escrow Company.