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Phone

360.632.2040

Email

blanca@hansonhometeam.com

Get your Home Loan

The members of the Hanson Home Team will help you to get financed!

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). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Steps to Get your Home Loan

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers 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
  • Recent bank statements

There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Buy your home The Hanson Home Team

Application & Processing

WHAT HAPPENS WHEN A LOAN GOES “LIVE”

When you find a property you’re ready to buy, your lender 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 examinations 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!

Buy your home The Hanson Home Team

Steps to Get your Home Loan

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers 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
  • Recent bank statements

There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Buy your home The Hanson Home Team 

Application & Processing

WHAT HAPPENS WHEN A LOAN GOES “LIVE”

When you find a property you’re ready to buy, your lender 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 examinations are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Buy your home The Hanson Home Team 

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!

We Help You Get The Best Loan

START THE PROCESS

We’ll help you find the best local loan officer 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!

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Get the Home of your DREAMS!!!

TRUST US, WE KNOW REAL ESTATE
We partner with you throughout your search, provide area expertise, and extensive market knowledge to help you find the home you love.