1 Pre-qualification

Working with your Mortgage Loan Officer, at this stage you will learn an approximate amount that you can afford and the costs included.

2 Pre-approval

At this stage you will receive a loan approval that is contingent upon you finding the subject property to purchase.

3 Find Your Home

Armed with the knowledge of what you can reasonably afford you will be better prepared to find and make an offer to purchase your dream house.

4 The Home Inspection

A trained home inspector will review your subject property to ensure that there are no operational or structural defects that need to be fixed prior to you owning it.

5 Purchase and Sales Agreement

This will be the agreement that is executed between you and the seller that outlines all the terms of the transaction.

6 Appraisal

Once your offer is accepted and signed by the seller, we will order an appraisal.

7 Final Loan Approval

The process of underwriting your loan is complete and it is now time to schedule a date for closing.

8 Closing

You will sign the documents to legally transfer ownership of the property from the seller to you and funds will be dispersed.