The Mortgage Process

Though the steps may be the same, you'll find working with me on your mortgage radically different.

Before I arrive at your home or office for our first meeting, you'll receive a comprehensive information packet to help you feel confident and prepared. You'll know which documents you should have handy, such as income tax forms, pay stubs, and current statements from your bank and broker.

When we sit down to discuss your loan, you'll find I ask lots of questions that other lenders might not - questions about your lifestyle, your family, and your overall financial situation:

• For homebuyers, how long are you planning to stay in the house you're purchasing?
• If you're refinancing, would extra cash help for renovations, or even paying off high-interest credit card debt?
• Do you have children and need to plan for college costs?

Together, we'll review your credit report, looking for any discrepancies that should be corrected. We'll also start the pre-approval process, to give you maximum clout with sellers.

All this information helps structure a loan that makes the most productive use of your money. Your loan is then submitted for approval. Approved customers are issued an official letter, which serves as pre-approval documentation for the realtor and seller once you've found a property to purchase. Appraisals and title work is completed, your closing is scheduled, and there's just one thing left to do - start enjoying your new home.

Start the Mortgage Process Now with our Online Application!

For more information, Contact Lawrence Today.