THE PROCESS
A Clear Path
to Closing
Our mortgage loan process is designed to make your path to closing clear, simple, and organized from pre-approval to final signing.
HOW IT WORKS
Our Simple 6-Step Process
We’re making getting a mortgage easier than ever before. HomePrime Mortgage has an experienced team of brokers on staff.
01
Pre- Approval
The mortgage loan process begins with pre-approval, where we review your goals, income, credit, and available loan options.
02
Shop
Start working with a real estate agent and viewing homes.
03
Loan Application
A few documents are needed to get a loan file through underwriting.
04
Processing
During the mortgage loan process, our team helps you understand documents, timelines, underwriting conditions, and next steps.
06
Closing
Documents are drawn and sent to the title company for closing.
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Mortgage Solutions Designed For You
Here’s how we ensure your transaction goes smooth and fast
Initial Goal Analysis Consultation
This is where we go over your goals to better understand your specific situation and needs.
Solution Preparation
This is where we take the info from our call and build out some of the best options on the market for you regarding rates, closing costs, and program structures.
Suggestion Presentation
This is where we go over what we found. If you decide you want to keep what we propose, we put your loan into process.
Execute
Our team will guide you every step of the way to gather all the necessary documents to get you on your way.
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Mortgage Loan Do’s and Don’ts
Are you purchasing a home or refinancing your current mortgage loan?
If so then below you will find some very important advice on the Mortgage Loan Dos and Don’ts during the loan process.
Making sure you do the right things to ensure that your loan will be approved by the mortgage underwriter and not doing something that will derail your loan approval is essentially for a smooth loan transaction.
We have the top ten mortgage loan process Do’s and the top ten mortgage loan process Don’ts that ever mortgage applicant should follow.
If you have questions or need to get pre-approved for a mortgage loan call us at (800)660-1632 or contact us clicking the button
Top Ten DOs During the Mortgage Loan Process
1) Do Stay Current on ALL your Existing Credit Accounts – Pay all your bills on time during the loan process!
2) Do Keep All Your Financial Records in good order
3) Do Ask Questions and become Educated on the home buying process
4) Do get pre-approved for a mortgage loan BEFORE shopping for a home
5) Do hire a Real Estate Agent to be your exclusive Buyer’s Agent Before shopping for a home.
6) Do Keep working at the same employer and keep your income consistent
7) Do call your Home Prime Broker if you have any questions (800)660-1632
8) Do get a Home Inspection from a licensed inspector
9) Do turn in all your requested loan documents within 24 hours of being asked. Have a sense of Urgency during the loan process
10) Do tell your mortgage lender everything when getting pre-approved. Mortgage lenders will find out everything about you as it is all stored online somewhere.
Top Ten DONTs During the Mortgage Loan Process
1) Don’t Quit Your Job! Lenders will verify your employment within 24 hours of closing.
2) Don’t Apply for Any New Credit of any kind.
3) Don’t Pay Off Any Collections unless told to do so by your loan officer.
4) Don’t Close Credit Card Accounts.
5) Don’t Change Jobs during the process of buying a home
6) Don’t Go Shopping for a Home without a pre-approval letter.
7) Don’t Make Undocumented Deposits into your bank accounts – NO CASH!
8) Don’t transfer Credit Card Balances during the loan process
9) Don’t take cash advances on credit lines for money to purchase the home.
10) Don’t spend your money that you need before you purchase the home.
Your Home. Your Future. Let's Make It Happen.
Whether you’re buying your first home, refinancing, or investing — HomePrime Mortgage is the partner you’ve been looking for. We speak your language, understand your goals, and fight to get you the best rate possible across California, Texas, and Florida.
CLIENT STORIES
Real People. Real Results.
Thousands of families have trusted HomePrime to guide them home.