There can be little doubt ; getting a mortgage loan is a complicated process. You wouldn't be here on our website if you could complete a one-page loan app and receive an excellent loan check cut the same day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a mortgage loan involves four major milestones.

Step one: Decide how much you can afford

This is a function of a couple things. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step four: funding

Your REALTOR® and the seller's will coordinate to designate an escrow/title company to take care of the funding of your loan. We'll work with this company to make sure the papers your lender needs are available, and you'll probably}likely sign all these papers at their officeWe coordinate with the title company to set your date of closing. Because you will not need to coordinate this process, you get to concentrate on moving, painting, carpet, and the fun parts of moving into a new home.

You've answered some few questions, provided lots of information, applied , and Before you know it, you'll be moving in! We do the legwork so you can spend your time finding the new home that's right for you.