financing your home
get smart & learn about
the home loan process
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry.
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. 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.
application & processing
your loan goes "live"
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.
make an offer
& let's close on a home
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
finance with
Neo Home Loans
Jason Drobeck
NMLS ID #826629
- (720) 436-3356
- JasonDrobeck@neohomeloans.com
Imagine buying your dream home. Connect with a lender to help you make it happen. Jason is friendly, communicative, and passionate about helping people, and he can help you get competitive rates and find the lending program that best fits your individual needs.
Let's Get Started
