New to Home Buying
Home buying doesn’t have to be complicated. Let us do the heavy lifting. Here are 3 easy steps to get you started:
Step 1:
Get informed
Fill out the inquiry form so you and your loan officer can determine which loan product is right for you. Our friendly and knowledgeable staff will make sure we deliver a complete understanding of which loan is right for you, the payment options, closing process and how your dream home can become reality.
Step 2:
Ask an expert
MoneySafe Mortgage is your go-to expert with everything involving the purchase of your new home. Whether it is down payment options, affordability, or what you qualify for, you have questions—we have answers.
Step 3:
Get Pre-Approved
It’s time to put your loan prequalification in writing and start shopping. MoneySafe Mortgage will deliver a written Pre-Approval that both you and your real estate professional can rely on. This ensures a quick closing, makes your buying power stronger and your chances of an accepted offer better. Moneysafe Mortgage is your partner from beginning to end.
The loan process - how it works
STEP 1:
STEP 2:
The first thing you’ll do is gather the documents which will allow our loan officers to get a clear picture of your financial health. These documents may will include:
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Pay stubs, W-2s, Tax Returns, Bank statements and other documents as needed
Verification and Processing: This is when all your documents are verified, your employment history will be reviewed and your credit check will be done. A preliminary title report and property appraisal will also be done at this time and everything will be sent to the underwriter for approval.
STEP 3:
Underwriting: An underwriter will review your loan file to make sure it meets the qualifying guidelines. It’s not uncommon for the underwriter to ask for additional documents at this time.
STEP 4:
Loan Approval: A few things may happen at this stage. Your loan may be approved, it may be approved with conditions, or a counter offer may be made. MoneySafe Mortgage will help you through each of these scenarios.
STEP 5:
Signing: Yay! The loan is approved and all conditions are met. Now its time to sign your loan documents. We will set an appointment and you’ll be on your way to securing your loan.
STEP 6:
Funding: Once all the paperwork is signed by both the buyer and seller there will be one final review. After the review is complete your loan will be funded!
Let's Get Started
We'll help you through the processes.