The Home Loan Process
Affordable Loans Made Simple
Find the Right Loan Product
Home Purchase
We work with many lenders and offer all popular loan products from Conventional, FHA, VA, Jumbo and USDA. Click the button below to fill out a quick form and find out how much home you can qualify for.
Refinance Your Existing Loan
Want a lower rate? Need to tap into your home's equity to renovate your home or pay off high interest rate credit cards? We have a solution for you! Click below to find out how much we can save you on your current monthly payments.
Mortgage Calculator
Find out your monthly or yearly mortgage payment for a prospective home based on your loan amount and the interest rate. Use the calculator below to find out how your rate can affect your payment.
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). Being a licensed agent since 2007, Matthew has had the opportunity to work with hundreds of buyers. Seeing the frustrations they have had to go through to get a mortgage, he knew there had to be a better way. That's why in 2020 he decided to obtain his mortgage license and partner with Homestead Mortgage. He could tell their client's first approach was exactly what was missing from the mortgage industry. From start to finish Matthew and his team can help you find and finance your dream home, with 0 hassle and a single point of contact!
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with our team to get pre-approved for a loan amount. At this stage, we will gather information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so we will make sure to get you a pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan
Start The Process
With many different loan programs available today, we will work to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, we will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
