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How To Get A Loan?
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| Once you select us to obtain your home loan, you'll know how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money. |
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| Throughout the loan application process, we provide you with regular updates. You can also email us your questions or additional information. And if you want assistance, just call our mortgage experts who will answer questions. |
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| The following is an overview of the loan application process. |
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| Note: The below process assumes the borrower(s) will be approved for the loan. |
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| STEP 1 -- Pre-Qualify and save money |
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| Pre-Qualify to find out how much home you can buy, even before you start looking. Once you've filled our online forms and submitted it, we'll calculate your buying power, based on standard lender guidelines. We'll contact you for authorization to obtain your credit report. Once we've reviewed this information, we'll issue your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, we'll begin looking for the best loan to meet your specific needs. Your Real Estate Agent will use your Pre-Qualification Letter to negotiate the best deal for you. |
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| STEP 2 -- Apply Now! Getting started is easy. |
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| When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. Click on the Shop Rates menu selection to learn more about available loans and current rates, or click on Apply Now to start your application. |
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| STEP 3 -- Your Loan is Approved and Funded |
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| Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly. |
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| We will coordinate with the escrow team and you'll sign the final papers at their office. |
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| Simple, Straightforward, Cost Effective, and FAST! |
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Houston Home Mortgage