| Home Loans in Southern California at |
AL "the Loan Guy" Rivera
Office: (562)402-8400
Direct: (562)587-5284
Fax: (877)402-0402
e-mail: al@altheloanguy.com
Office: (562)402-8400
Direct: (562)587-5284
Fax: (877)402-0402
e-mail: al@altheloanguy.com
Our goal is to help everyone realize the American dream of home ownership.
We've compiled an easy to follow, step-by-step guide of the process:
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!
2.) 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.
3.) 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.
4.) Download and Print the Complete Loan Package Checklist. Click Here to
Download your Checklist Today. Be Prepared before your offer gets Accepted.
5.) Reaching an Agreement. You and the seller will agree on the price and terms,
including closing and settlement dates.
6.) Sale Contract is Executed.
7.) Loan Process is Started. Mortgage Application and Documentation are Reviewed
and Any Incomplete or Expired Documentation will need to Be Updated.
8.) Earnest Money Deposit Is Given to the Escrow Company.
9.) Inspections Scheduled. At this time, the various home inspections and
Appraisal(s) will be scheduled.
10.) Ordering Title Insurance. An order is placed for clear title verification and title
insurance for your new home.
11.) Loan is Reviewed by our Loan Processing Department. More
Documentation may be needed to move your loan forward to the Final Approval Stage.
12.) Purchase Home Owner's Insurance. Obtain homeowner's insurance, which is
required by all lenders, prior to closing. We will recommend someone if necessary.
13.) Your Mortgage is Final Approved. Loan has been reviewed by an Underwriter
and may need documentation to Finalize the Loan.
14.) 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.
15.) Transfer of Utilities. Review the transfer of utilities with your Real Estate Agent.
16.) Review Closing Costs. A break down of the closing costs and an approximate
amount needed to close your loan are reviewed with you.
17.) What to Bring to Closing. Bring two forms of Identification to closing.
18.) Loan Documents are Signed.
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.
21.) Congratulations! You are a Officially a Home Owner! Title has transferred,
we will assure that you receive the title and keys to your home.
We've compiled an easy to follow, step-by-step guide of the process:
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!
2.) 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.
3.) 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.
4.) Download and Print the Complete Loan Package Checklist. Click Here to
Download your Checklist Today. Be Prepared before your offer gets Accepted.
5.) Reaching an Agreement. You and the seller will agree on the price and terms,
including closing and settlement dates.
6.) Sale Contract is Executed.
7.) Loan Process is Started. Mortgage Application and Documentation are Reviewed
and Any Incomplete or Expired Documentation will need to Be Updated.
8.) Earnest Money Deposit Is Given to the Escrow Company.
9.) Inspections Scheduled. At this time, the various home inspections and
Appraisal(s) will be scheduled.
10.) Ordering Title Insurance. An order is placed for clear title verification and title
insurance for your new home.
11.) Loan is Reviewed by our Loan Processing Department. More
Documentation may be needed to move your loan forward to the Final Approval Stage.
12.) Purchase Home Owner's Insurance. Obtain homeowner's insurance, which is
required by all lenders, prior to closing. We will recommend someone if necessary.
13.) Your Mortgage is Final Approved. Loan has been reviewed by an Underwriter
and may need documentation to Finalize the Loan.
14.) 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.
15.) Transfer of Utilities. Review the transfer of utilities with your Real Estate Agent.
16.) Review Closing Costs. A break down of the closing costs and an approximate
amount needed to close your loan are reviewed with you.
17.) What to Bring to Closing. Bring two forms of Identification to closing.
18.) Loan Documents are Signed.
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.
21.) Congratulations! You are a Officially a Home Owner! Title has transferred,
we will assure that you receive the title and keys to your home.
| Contact Us Today! AL Rivera Direct: (562)587-5284 Email: al@altheloanguy.com |
| AL "the Loan Guy" Rivera 17777 Center Court Dr Suite 275 Cerritos, CA 90703 (562)587-5284 NMLS ID# 260314 |
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