Congratulations, you are now a homeowner! From start to close, we are honored you chose us to be by your side throughout the process. The service doesn't end here though. We host client appreciation events throughout the year and welcome you to join us! We hope to be your lender for life, so please, reach out to us any time you have questions. #TeamShellyLoanProcess

Underwriting The underwriter is responsible for the formal approval of your loan. They will evaluate your credit, your qualification and the property to determine adherence to guidelines. Once reviewed, you will receive a conditional approval on your loan. This means your loan is approved, but we need additional documentation to issue the final approval or clear to close. Sometimes, this is information we need to add to the application such as the appraisal. Other times, it m

Loan Set Up Once we have the contract, your documentation and the signed application and disclosures in your file, we will get the ball rolling. Your loan will be worked on by our team locally and will never leave our office. During the loan set up we will order the following: - Appraisal - Title Commitment and additional documentation from title - Survey (if needed) - Homeowner's Insurance - Case numbers and certifications for government loans - Employment Verification Proce

Making the Offer Once you have identified the home you want to purchase, your realtor will guide you through the offer and negotiation process with the sellers. This will involve completing an Earnest Money Contract to submit to the seller’s realtor as your “offer”. The seller may accept, decline or counter the offer. Again, your realtor will help you navigate during these negotiations. We do encourage you to stay in touch with us during this time, so we can provide updated e

Getting Pre-Qualified Planning to See the Bigger Picture During this process, we help identify the price range of homes you should be looking at as well as a monthly payment that fits your budget and your comfort level. Determine the mortgage program that may be right for you, the amount of funds you will need to purchase the home and any negotiation strategies you may need to know prior to making the offer. The Application To start the process you will be asked to fill out a