The Home Loan Process
Finance with our Lenders
With 17 years of experience in the mortgage banking industry, my success stems from an always-available approach to my business. Through my career I have helped hundreds of families navigate the loan process, developing an extensive knowledge of residential lending.
When working with me and Barrett Financial you'll receive:
Please give me a call today for answers to any of your home financing questions. Let's Get Started
As you consider selling, buying, refinancing, or even building your dream home, there is a lot riding on your mortgage banker. With mortgage programs and market conditions changing constantly, you need to make sure you are working with a team of skilled professionals who can respond to you quickly.
As an experienced mortgage banker, I understand everyone's financial situation is different and should be treated as such, I am committed to providing my customers with mortgage services that exceed their expectations. Our team has the knowledge and expertise you need to make the right choice for you and your family. I hope you'll check out our website, look through the different loan programs we have to offer, and use USA Mortgage's secure online application to start the journey towards your new home.
After applying with my teammate, Renee Hill, we'll give you a call to discuss the details of your loan, or we can find a time to meet in person to look over it all together. I can always be reached by phone, fax, or email for individualized service or if you have questions throughout the process. I look forward to working with you!
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
