I’ve Found A Home!

Put in a Written Offer

You’ll need to put in a written offer. Your real estate agent can help you with this. The offer will include how much you want to put down for an earnest money deposit.

Application & Credit Pull

If you’ve already filled out an application, now we’ll add the specific property information. If you haven’t filled out an application, we’ll help you complete it, and pull your credit.

Documentation

If you haven’t turned this in — we’ll need:

• 30 days’ pay stubs
• 2 years W2s or 1099s
• 2 years of federal tax returns
• 2 months bank statements
• Drivers’ license

If you gave us the documentation a while ago, we might need to get some updated paystubs and bank statements from you.

Processing & Underwriting

Once your file is complete, we’ll send it to the processing department. They verify your employment history and a few other things.

Inspections

While all that is happening, if your offer was accepted — you’ll want a home inspection. Although it’s not required, it’s a good idea so you’ll know the condition of the property. After that, if all is good, we’ll order an appraisal.

Renegotiating

If the inspection uncovers some surprises or the appraisal comes in too low, your real estate agent will go back to the negotiation table to have the price lowered or items fixed.

Insurance

You’ll need to get insurance estimates and let us know who your insurance carrier is.

Underwriting

In the meantime, the underwriter may ask you for clarification on something or need more data about the property. Whatever they need, we get it to them fast so we can keep everything moving along.

Closing

Once your loan is approved, we’ll work with you to schedule closing your loan. You can sign the documents in our office, at the title company, or we can schedule a remote notary to come to your home.