Navigate the home loan process with confidence.
THE LOAN PROCESS
Discuss the best financing options for you.
We’ll help you find the best loan officer in your area to get you competitive rates and the programs that suit your needs.
THE LOAN PROCESS
Get Pre-Approval
Before you search for a home, you should meet with your loan officer to get pre-approved. There are a variety of loan programs available, so make sure to get pre-qualified for those that best suit your needs.
At this stage, the lender will gather your income, asset, and debt information to determine how much house you can afford. This will include a credit report, W-2 forms, pay stubs, federal tax returns, and recent bank statements.
THE LOAN PROCESS
We Help You Get The Best Loan
We’ll help you find the best loan officer in your area to get you competitive rates and the programs that suit your needs.
THE LOAN PROCESS
Application & Processing
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application and walk you through the various fees and down payment options.
The application is then submitted to processing, where the documents are reviewed. Appraisals and a title examination are also ordered. Next, the loan is sent to an underwriter who will review and approve the loan if it meets compliance.
THE LOAN PROCESS
Closing: Finalizing the Deal
Don’t be surprised if you need additional documentation or clarification throughout the loan application process. Pro tip: Be sure to set up homeowner’s insurance before closing.
Once your loan is approved, your documents will go to the title company, and you’ll sign for the new home and pay any remaining costs. Congratulations, happy homeowner! Don’t forget to pick up your keys.
Keller Williams Realty, Inc., a franchise company, is an Equal Opportunity Employer and supports the Fair Housing Act. Each Keller Williams office is independently owned and operated.
NY State Housing Discrimination Disclosure Form
NAVIGATION
Real Estate Web Design by Bullsai