Home Capital Mortgage

....Because Your Biggest Asset Is Your Home    
    
The Loan Process
We realize that the mortgage process can be stressful, so we here at Home Capital Mortgage, LLC would like to make the mortgage process simple for you.  We handle all aspect of the mortgage process and keep you involved the entire way.  Unlike many mortgage companies, we educate you and envolve you in all decisions so that you can make an informed decisions about your housing future.


Step one: determine how much you can borrow

How much of a monthly payment can you afford? And given your unique credit and employment history and income and debt, how much will a lender loan you? The first part you can get a rough idea of by using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.  The second part, we will will handle and advise you of the best scenario for your financial future.

Step two: pre-qualify for your loan

This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. When we review all this information, we will get you pre-qualified.  At this point, you will know exactly how much you maximum loan about can be.  For purchases, your real estate agent will use your Pre-qualification to make the best offer on the home you choose. It gives you buying clout! And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.

Step three: apply now! We make it easy

Once you've made an offer and it's been accepted, it's time to complete the loan application. It couldn't be easier, and you can do it online, right here at our website. When the time is right, we'll order an appraisal of your new home.

Step four: your loan is funded
Onec you have signed a purchase contract, you and your real estate agent will work together to designate an escrow/title company to handle the funding of your loan. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order and you'll sign everything at the escrow/title company's office.

You've answered a few questions, given us some detailed information, applied online or in person then the next thing you know, you're moving in.
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