Melissa Gonzalez

+1-786-972-2037
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7 Easy Steps Start to Finish. Buying  your new home doesn’t have to be stressful and confusing. To help you understand the process and feel comfortable with the decision you make,  follow these 7 steps to make your experience hassle free.

Buying your new home doesn’t have to be stressful and confusing. To help you understand the process and feel comfortable with the decision you make, follow these 7 steps to make your experience hassle free.

 

Prequalification. You can do this over the phone or in person with me. I’ll ask questions that help me determine how much you may be eligible to borrow.

You can do this over the phone or in person with me. I’ll ask questions that help me determine how much you may be eligible to borrow.

Contract. You sign the loan application and contract, and disclose information about your financial situation. You’ll need to share everything up front to ensure the loan gets processed as smoothly as possible.

You sign the loan application and contract, and disclose information about your financial situation. You’ll need to share everything up front to ensure the loan gets processed as smoothly as possible.

Review and Rate Lock. By now, all your documents should be submitted, so when the appraisal comes in we can review everything, lock in the loan rate when the time is right, and submit a complete package to the underwriter.

By now, all your documents should be submitted, so when the appraisal comes in we can review everything, lock in the loan rate when the time is right, and submit a complete package to the underwriter.

 

Appraisal. A professional appraiser will visit the home you wish to buy, evaluate its condition and assets, compare it to other home sales in the area, then determine its market value.

A professional appraiser will visit the home you wish to buy, evaluate its condition and assets, compare it to other home sales in the area, then determine its market value.

 

Underwriting. An underwriter is the person responsible for comparing your documents with the guidelines of the loan you wish to obtain, and determining if you qualify for the loan.

An underwriter is the person responsible for comparing your documents with the guidelines of the loan you wish to obtain, and determining if you qualify for the loan.

Quality Assurance. After reviewing your loan package, the underwriter may ask for additional or updated documents such as pay stubs or re-verification of employment.

After reviewing your loan package, the underwriter may ask for additional or updated documents such as pay stubs or re-verification of employment.

Closing. The moment we’ve been waiting for! Once the paperwork is complete and the loan is approved, the loan officer will work with the closing agent to ensure the documents are recorded and funds are properly dispersed.

The moment we’ve been waiting for! Once the paperwork is complete and the loan is approved, the loan officer will work with the closing agent to ensure the documents are recorded and funds are properly dispersed.

 

Once you are qualified you can contact your real estate agent and look for your dream home

email DJM Lenders 3440 Hollywood Blvd, Suite 415 - Hollywood, FL 33021 - NMLS 1530761
+1-786-972-2037

 

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