We Are Committed to Your Homebuying Success

Purchasing a Home… Redefined

Let a seasoned lending professional dedicated to your community provide support throughout the entire homebuying process.

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The Art of Refinancing

With skill and resourcefulness, our lending professionals successfully navigate the refinancing landscape.

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Let Us Exceed Your Expectations Each Step of the Way

Prev Step
Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

Once you have found a home, you will make an offer to buy it from the seller. A real estate professional will conduct negotiations and a contract will be submitted to purchase, accompanied by the pre-approval letter. Once your offer is accepted, you will begin the application process.

3.

When the seller accepts your offer, you begin the mortgage process. Your Loan Officer will gather your financial information, loan application and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

Your settlement documents will include instructions on how to make your first payment. While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step
Next Step
step-1
1. Consultation (Prior To Pre-Qualification)
step-2
2. Pre-Qualification
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

Your Loan Officer will review your financial information and determine if refinancing is the best option.

2.

You will submit a loan application.

3.

Your Loan Officer will gather your financial information, loan pre-qualification and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step
Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Post-Closing

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

First, identify a property that needs work that you want to renovate. From there, you will provide the following to your loan officer to prepare preliminary figures and make sure you qualify for this specific property and renovation amount. You will then receive a pre-approval letter and make the offer.

3.

The first step in the renovation process will be scheduling an appointment with a licensed consultant off of HUD’s consultant roster; they will help you determine the mandatory items that have to be done to get the home up to the minimum property standards for the appraisal and help you devise the scope of work for your wish-list items.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

During Post Closing, your contractor can begin the work. You will start making payments which works the same as a standard loan unless you’ve financed payments into the loan for when the home will be uninhabitable during the renovation.

We Support Our Customers to Make Their Dreams Happen

“He was flawless in his management of our home purchase. An incredibly thoughtful communicator. And was able to explain even the most intricate nuances of the mortgage process to us as first time home buyers. I’d highly recommend him (and already have).”

Lendaid Review

Thank you so much for being with us during this whole process, everything went as smooth as it could be and we know it’s because of all your hard work and efforts. We will definitely keep in touch.

Douglas and Alicia J.

I want to thank you and your team for helping me secure my new home.   It was an easy process and you helped me through every step.  I will always be thankful for all the assistance.

Mary A.

Having gone through the purchase process a number of times, I have to say this was the easiest!

Jean M.
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Learn More Through Our News and Resource Hub

Pre-Qualification vs. Pre-Approval
Mortgage 101 Loan Origination Miscellaneous
June 09, 2021
Pre-Qualification vs. Pre-Approval

You’ve heard the terms pre-qualification and pre-approval, but what do they mean? They are the same thing, right? Not quite! The terms have been used interchangeably, but their true definitions differ. We’re going to break it down and explain the difference between the two. Pre-qualification The very first step to take if you are ready […]

Steps on the journey to purchasing your dream home!
Mortgage 101 Loan Origination
June 04, 2021
Steps on the journey to purchasing your dream home!

Get Pre-Qualified Complete a loan pre-qualification – Contact one of our loan officers to get started! Submit basic documentation – This can include paystubs, bank statements, credit reports, and statements for any other debts or loans you might have. Your loan officer will let you know exactly what they need! Discuss what you can afford […]

How to Make a Competitive Offer on a Home
Mortgage 101
May 26, 2021
How to Make a Competitive Offer on a Home

In order to land the home of your dreams, it’s important you understand how to make a viable offer. This is especially important in a competitive market like the seller’s market we are currently in. Here are some tips for making a competitive offer on a home. Get Pre-Qualified Getting pre-qualified is one of the […]

Pre-Qualification vs. Pre-Approval
Mortgage 101 Loan Origination Miscellaneous
June 09, 2021
Pre-Qualification vs. Pre-Approval

You’ve heard the terms pre-qualification and pre-approval, but what do they mean? They are the same thing, right? Not quite! The terms have been used interchangeably, but their true definitions differ. We’re going to break it down and explain the difference between the two. Pre-qualification The very first step to take if you are ready […]

Steps on the journey to purchasing your dream home!
Mortgage 101 Loan Origination
June 04, 2021
Steps on the journey to purchasing your dream home!

Get Pre-Qualified Complete a loan pre-qualification – Contact one of our loan officers to get started! Submit basic documentation – This can include paystubs, bank statements, credit reports, and statements for any other debts or loans you might have. Your loan officer will let you know exactly what they need! Discuss what you can afford […]

How to Make a Competitive Offer on a Home
Mortgage 101
May 26, 2021
How to Make a Competitive Offer on a Home

In order to land the home of your dreams, it’s important you understand how to make a viable offer. This is especially important in a competitive market like the seller’s market we are currently in. Here are some tips for making a competitive offer on a home. Get Pre-Qualified Getting pre-qualified is one of the […]

Pre-Qualification vs. Pre-Approval
Mortgage 101 Loan Origination Miscellaneous
June 09, 2021
Pre-Qualification vs. Pre-Approval

You’ve heard the terms pre-qualification and pre-approval, but what do they mean? They are the same thing, right? Not quite! The terms have been used interchangeably, but their true definitions differ. We’re going to break it down and explain the difference between the two. Pre-qualification The very first step to take if you are ready […]

Steps on the journey to purchasing your dream home!
Mortgage 101 Loan Origination
June 04, 2021
Steps on the journey to purchasing your dream home!

Get Pre-Qualified Complete a loan pre-qualification – Contact one of our loan officers to get started! Submit basic documentation – This can include paystubs, bank statements, credit reports, and statements for any other debts or loans you might have. Your loan officer will let you know exactly what they need! Discuss what you can afford […]

How to Make a Competitive Offer on a Home
Mortgage 101
May 26, 2021
How to Make a Competitive Offer on a Home

In order to land the home of your dreams, it’s important you understand how to make a viable offer. This is especially important in a competitive market like the seller’s market we are currently in. Here are some tips for making a competitive offer on a home. Get Pre-Qualified Getting pre-qualified is one of the […]

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