Everyone dreams of owning a home. Unfortunately, the process of obtaining a mortgage can be so confusing and discouraging that people often settle for unfavorable rates and terms. I strive to make the mortgage process as stress free as possible, I help my clients get low-rate, low-cost mortgage products that address their unique financial needs.

1. Check current mortgage rates and calculate your monthly debt to income ratio's to determine what you could afford and qualify for.

2. Based on the basic information provided by you we can pre-qualify you for a certain loan amount.

3.  Once you are ready to proceed we then take a full application for this . We will need to verify certain information about you and the property. The Borrower information will include verification of income and employment, assets, and your credit history. You, the applicant, as part of your application process, will usually provide some of this information. Other information, such as your credit history, will be obtained directly from the credit bureaus.

4. During Loan Pre-Approval Process we take all the required documents you have provided to verify your income and assets. We then enter this information into our automated underwriting system which will reveal an approval or denial.

5. Once you have been pre-approved you can start looking for a home within the purchase price determined during the pre-approval process.

6. After you have found a home and have a written accepted offer by the sellers we then order the appraisal. The appraisal will determine the value of the home you are buying.

7. During the "processing" and/or "underwriting" period, your credit, assets, income and other determinants are checked and compiled. Your loan is either approved with conditions, or approved without conditions or declined. Conditions are further documentation or checks we will need to finalize your loan before funds can be dispersed.

8. Closing your loan is the final step to the process. The closing will take place at the closing attorney's office. You should be aware that closing costs are paid at time of closing. These costs are above and beyond the sales price of the home. Many people do not realize that closing costs are paid in addition to the loan amount.

9. Many lenders will allow you to pay and check your new mortgage online. This is just a tip,

Move in and enjoy your new home.