One of the first things you'll need to do once you're decided to buy a house is to
find a mortgage broker or bank who will handle your loan.
Get a pre-approval on
a loan in writing.
Make sure that all your financial documentations are in order as
your mortgage broker will give you a list of what documents they will need. Avoid
delays by making sure that you provide them with these documents promptly.

After getting a pre-approval from a mortgage broker let us know what you are pre-approved
for and we can go over what you are looking for in a house.
understand what exactly you are looking for to feel  
understand what exactly you are looking for to feel
for what houses are available in thefor what houses
are available in the
market in your price range. In some cases, it may take several tours before you find the
house you want to buy.
Once you find the house you want, we will then put together an offer to
seller countered your offer, you will be given so many days or hours to respond
to their offer. You may either accept the counter or counter the seller’s counter.

Once you reach an agreement with seller, the contract is said to be ratified and
is the day you are actually under contract. You will also be asked to write a check payable to
the escrow company as good faith money for the purchase. This check will not be cashed
until you are under contract with the seller.
asked to You will also be asked to pay for an appraisal. The
appraisal is a You will also be asked to pay for an
appraisal. The
appraisal is a
appraisal. The appraisal is a lender requirement
and you may . The appraisal is a lender requirement and you
may be asked to be asked to obtain two appraisals. This is an
investment you will need to make in buying a property.need to
make in buying a property.
There are deadlines and important dates you need to remember once you are under
contract. There are also terminologies you need to make sure you understand.
Our
escrow coordinator will handle appointments and schedules to insure that deadlines are met.
As soon as the conditions in the contract and those set by your lender are met,
loan documents will be sent by your lender to the escrow company.
You are
now ready to proceed with the close process.
As soon as a confirmation of recording
is received we will be notified and the
key to your new home will be
delivered you.
CONGRATULATIONS – YOU ARE
NOW A NEW HOMEOWNER !!!!
You will be asked by your escrow officer to come to their office to sign the loan
documents
. After the loan documents have been signed by all parties involved,
this will be sent back to the lenders for their final approval. If all conditions are met, expect
lenders to fund your loan the following day. It takes about twenty four hours for the funds to
clear before escrow can record the property to you.