An overview of the loan process
Make no mistake, there's a lot involved in getting a mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day. What we do is do most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity check.
There are four main steps involved in getting a loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.
Step one: determine how much you can borrow...This is a function of a couple things. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.
Step two: pre-qualify for your loan...This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. When we review all this information we give you a Pre-Qualification Letter. Handle it with care -- to a home seller, it's like a suitcase full of cash! Your real estate agent will use your Pre-Qual (as they may call it) to make the best offer on the home you choose, and the seller knows you're pre-qualified. It gives you buying strength! And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.
Step three: apply now! We make it easy...Once you've made an offer and it's been accepted, it's time to complete the loan application. It couldn't be easier, and you can do it online, right here at our web-site. When the time is right, we'll order an appraisal of your new home.
Step four: your loan is funded...Your real estate agent and the seller's will work together to designate an escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office.
Lenders we work with: Countrywide Home Loans, Ventura Bank, Wells Fargo, Bank of America, AAA West Valley Mortgage, Absolute Financial Services, Action Mortgage Company, Mortgage Financing Services, West Valley Mortgage, Pacific Trust Lending, Great American Financial Services, Ward Lending Group, American General, Home Loan Express, Horizon Mortgage, Anchor Bank, BBCU, Chase Home Financial, Lenders Mortgage Service, Designated Mortgage, Encore Mortgage Company, Full Spectrum, Countrywide, 1st Hand Mortgage, Rainier Mortgage, Home Stone Mortgage, Landers Home Loans, Diversified Mortgage Consultants, D R Horton, Heritage Bank, Alta Vista Mortgage, Rainier Lending, Washington Federal Savings Touchstone Lending, NorthStar Lending, Quadrant Home Loans, Seattle Mortgage Company, Security Mortgage, Sterling Savings Bank, US Bank Home Mortgage, West Valley Mortgage, Columbia Bank, Armed Forces Bank, Frontier Bank, Timberland Bank, Key Bank, State Farm Bank, US Bank, Washington Mutual, Washington Federal Savings, Westside Community Bank, America's Credit Union, Harborstone Credit Union, Qualstar Credit Union, Fort Lewis Federal Community Credit, Scholl Employees Credit Union of Washington, Sound Credit Union, Tacoma Longshoreman Credit Union, TLCU, WSECU, Washington State Employees Credit Union, Twin County Credit Union, SCU, SECU, Fidelity Cascade Mortgage, First American Lending Group, Guarantee Mortgage
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Pre-qualify For A Loan
To start the loan pre-qualification process, please complete the form below.
After it is received I will contact you with any additional questions.
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