FIRST TIME HOMEBUYER

We will help you feel confident in our guidance, minimize your stress, and meet all your mortgage needs by providing excellent service on a speedy timeline.

What to Expect

 Buying a new home or property can be an exciting, but sometimes overwhelming process. To help you successfully navigate the home loan process we have summarized it to provide you with a better understanding of what to expect.

Click through below to learn more about each step in the process.

Pre-qualification

In the world of real estate the terms “pre-qualification” and “pre-approval” are often used interchangeably. However, they have two different meanings.

What is Pre-Qualification?

It is imperative to be pre-qualified before starting your search for the perfect home. The process for pre-qualification includes a credit check, determining what you can afford and confirming that you have adequate assets for the down payment and closing costs. Once we have reviewed this information, we make sure you meet all the underwriting requirements for the loan. Once you have been pre-qualified, you can shop for a house with more certainty and less anxiety.

All loans are subject to credit and property approval. Other restrictions and limitations may apply.

Close

Pre-Qualification

The Application

Processing

The Appraisal

Underwriting

Closing

Do You Really Need Title Insurance?

  • April 12, 2018
  • Mark Chaffee

Borrowers often ask me if they should purchase title insurance when buying a...

Home Prices: The Difference 5 Years Makes

  • March 7, 2018
  • Mark Chaffee

The economists at CoreLogic recently released a special report entitled, Evaluating the Housing Market Since...

80% of Renters Believe Homeownership is a Part of Their…

  • February 21, 2018
  • Mark Chaffee

According to the latest Aspiring Home Buyers Profile by the National Association of Realtors (NAR), 82%...

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Awards & Recognition:

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