GET PRE-APPROVED
The Home Loan Process
If you haven’t experienced it before, the home loan process can feel overwhelming, but our team of agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist. We partner with one of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Get A Pre-Approval
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. There are a variety of different loan programs. Your loan officer will make sure to get a pre-qualification for the specific programs that best suit your needs.
Our preferred lender.....
Tom Zaharakis
SENIOR LOAN OFFICER
NMLS# 203922
Office: 941-894-6565
Fax: 941-894-0776
Cell: 941-586-7680
Email: [email protected]
Fairway Funding Group
8235 Natures Way
Lakewood Ranch, FL 34202
NMLS# 105317
Application & Processing
WHAT HAPPENS WHEN A 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.
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!
Contact Us
We welcome the opportunity to connect with you. Whether you're embarking on the journey to sell your current home or find the perfect new one, our team is here to support your real estate goals. We're deeply passionate about this industry and dedicated to upholding the highest standards of service. Your inquiries and comments matter to us, and we look forward to assisting you on your real estate adventure.