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7 steps to homeownership
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Home Loan Specialists wants to help make the process of purchasing a home as easy as possible. We know it's a very exciting and potentially nerve-wracking time, our knowledgeable and experienced staff is here to help every step along the way. Step 1: Apply for Pre-Approval online here. Step 2: Find a Realtor, look for your perfect home, make an offer, sign the purchase agreement and order inspection. Step 3: Provide your HLS loan officer with all of the required documentation. You can find more on those requirements here. We know there's a lot of required information, so it's best to get it to us completed and timely so this doesn't hold up your loan approval. Step 4: Work with your insurance provider, or find an insurance provider, to produce your new homeowner's insurance policy. Also, order a cashier's check in the correct amount provided by your loan officer. Step 5: Review all closing documents and have a final walk through of your new home prior to closing. Be sure to make notes and alert your realtor if anything on the property is different or damaged. Step 6: Schedule closing date and verify closing documents. Your HLS loan officer will take care of scheduling your closing, re-pulling your credit, re-verifying employment and doing a final review of all closing documents. Step 7: Closing! Congrats, you are a new homeowner! Make sure to allow enough time for closing. On average, it's about an hour's worth of time to get through all of the documentation. |
