LOOKING FOR YOUR
DREAM HOME?
Buying a home is a huge decision and one that should not be taken lightly. Many of the situations that we are facing in the real estate market today are due to lack of planning and education. I am a big believer in the idea that, “Home Ownership is not a Right, it’s a Responsibility”. Your home is not a short-term investment. It is a long-term investment in your future, one that can be rewarding both emotionally and financially. If you’re looking for an agent to guide you through the home buying process, you’ve landed in the right place!
If you haven’t experienced it before, the home loan process can feel overwhelming, but Evelyn 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, Evelyn partner’s with some of the best lenders in the industry, and she’d be happy to introduce you, so you’ll be taken care of.
PRE-APPROVAL
APPLICATION
CLOSING
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.
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.
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.