The Home Loan Process with Adam Morris

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Breaking Down Home Loans

If you have never been through the home loan process before it can be  overwhelming, confusing and stressful but I'll help you stay informed and up to date throughout the whole process. The first thing to do before shopping for your new home is to speak with a mortgage loan originator . If you don't have some one in mind then I can help. I partner with some of the best lenders in the industry and I'd be happy to introduce you and make sure you and your family will be in great hands.

I LOVE THAT HOME! WHAT ARE MY FINANCING OPTIONS?

Did you find your dream home? Connect with my lender to help make it happen!

A Little More About Adam

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I'v partnered with Adam Morris and  HomeVantage Mortgage because only the best will work for my clients. The best customer service, the best at communication, the best at listening to your specific situation and the best at finding the right financial solution for you and your family. Contact Adam today for a free payment estimate and to find out about special programs that may work for you.

Get Pre-Apporoval

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.

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Application & Processing

 I'll  help you complete a full mortgage loan application, and Adam will 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 when we are under contract on your new home. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

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Taking the Key

Closing

SIGNING AND FINALIZING THE DEAL

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!