The Mortgage Process

Though the steps may be the same, you'll find working with me on your mortgage radically different.

When we sit down to discuss your loan, you'll find I ask lots of questions that other lenders might not; questions about your lifestyle, your family, and your overall financial situation:

• For homebuyers, how long are you planning to stay in the house you're purchasing?
• If you're refinancing, would extra cash help for renovations, or even paying off high-interest credit card debt?
• Do you have children and need to plan for college costs?

Together, we'll review your credit report, looking for any discrepancies that should be corrected. We'll also start the pre-approval process, to give you maximum clout with sellers.

All this information helps structure a loan that makes the most productive use of your money. Your loan is then submitted for approval. Approved customers are issued an official letter, which serves as pre-approval documentation for the realtor and seller once you've found a property to purchase. Appraisals and title work is completed, your closing is scheduled, and there's just one thing left to do - start enjoying your new home.