Call us today to see how we can help make your homeowner dream come true! (734)524-0400
7 steps to homeownership
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. |
There are many loan program options available.
Let us help guide you to figure out what is best for your needs.
Let us help guide you to figure out what is best for your needs.