Homebuying can be viewed by some as a terrifying process, but with the proper education and guidance from your HFG Licensed Mortgage Professional, we can make it simple and assist you in becoming a Homeowner!
Searching for a home is a lot of fun and you should enjoy narrowing your search, but we recommend that you ALWAYS get prequalified beforehand. This helps you target the search to affordable properties in your range and even has an impact on placing an offer. Once your Realtor helps you find the home, a prequalified offer shows the Seller that you are already a step ahead and serious about the offer.
Once the Seller accepts your offer, the next step is to finalize the loan application and provide necessary documents. This will speed up the process on our end as well as help you receive the initial loan disclosures quickly. We will contact you for a full review of the documents and to answer any questions you may have.
After that, next steps include:
- Appraisal Ordered
- Processing
- Underwriting
- Clear to Close
- Closing Disclosures
The last (and best) step is signing the Closing Documents and receiving the keys to your new home!
We understand that every client situation is unique. If you have questions or are interested in more details about this process, please contact a Licensed Mortgage Professional at a Homeowners Financial Group location near you.
