• The Steps of Buying a Home

  • Pre-Approval

    It is important to be pre-approved so that we are aware that you are serious about purchasing a home. It enhances your bargaining position and helps you budget how much house you can afford. To begin with, we will pull your credit scores and request the following documents:

    • Previous two years’ complete tax returns
    • Previous 2 years’ W2 forms
    • 2 most recent paystubs
    • Previous 2 months’ bank  statements
  • Processing

    This part of the mortgage process involves various paperwork. Although you have already submitted all the requested documents at this time, you may also be asked to provide additional information at any time during this stage, depending on your financial situation and type of home loan.

  • Underwriting

    At this stage, the underwriter will review your application to make sure your property is in good condition and that you will be able to repay your home loan.

  • Closing

    The seller’s attorney will coordinate with your attorney and mortgage advisor to schedule a closing. Upon completion, you will receive your new house keys!