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The Counseling Session is a free Consultation with a professional so that you can get an overview of the process and a detailed description of what a Buyer Agent can, or cannot do for you. 

Pre-Qualification

We will assist you in getting Pre-Qualified or Pre-Approved, with Lenders, for the type of mortgage you desire 

Being  pre-qualified will strengthen  your  negotiating  position  with sellers.  By  getting  pre -  qualified  first,  you will  be in  a  better  position to  have  your  offer  accepted.  It  will also prevent the disappointment  of  finding  that  perfect  home,  then  discovering  it is beyond your  financial reach. 

Qualification Letters

Your Lender will issue one of two types of letters regarding your financial qualification 

The first may be a pre-qualification letter based upon an interview with a loan officer 

The other would be a credit pre-approval based upon evaluation of your credit report and financial details of your loan, interest rate, terms & mortgage request by a loan officer and/or an underwriter. 

In the eyes of the seller a buyer that has taken the time to get pre-approved is a cash buyer. 
Typically the only thing a bank requires to give a full mortgage commitment is an acceptable appraisal of the property. 
This is your strongest position to be in when negotiating with the seller. 

Lending Process

The Lender will inform you what financial documents to bring to the meeting and provide you with a list of any other additional items you will need to provide 

An appraiser will inspect the property and determine it's market value 

With the application filed & the loan in process, you may not hear from the lender for some time until another need arises for information or a disposition is issued 

We will monitor the situation and if problems arise, we will work with your Loan Originator and Attorney to resolve them for you 
Mortgage Application 
  - Buyer to make prompt application no later than  acceptance of Offer to Purchase 
  - Buyer to provide all necessary information as requested by  bank 
  - Buyer to follow-up with bank or mortgage company on a regular basis 
  - Bank to provide Good Faith Estimate of closing fees 
  - Written commitment letter (with no conditions) from bank prior to   contingency date or  extension  requested by Buyer’s attorney 

Loan Origination

Once the Inspection process has been fully explored, the mortgage process begins with the application 

The application can be taken in any location that is convenient for you and the Loan Originator 

Mortgage Calculator - Easily estimate your monthly payment for a specific property or price range.

Real Estate Guide - Answers to hundreds of common questions about buying, selling, investing and mortgages.

Get Prequalified: Let us provide you with the best mortgage rates from hundreds of local mortgage companies.