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A mortgage is a big deal in any young couples lives, and you want to make sure you go about it correctly. There are six simple steps that will allow you to find the home of your dreams.

  1. Mortgage Pre-Approval- a lender will review your financial situation, including credit card scores, and decide how much money they are willing to lend.


  1. House Hunting & Negotiations- find your dream home! Then settle on the price and sign agreements.


  1. Loan Applications- the person applies for loan applications with pertinent information on their new home.


  1. Mortgage Processing- present the loan processor with all the information and they gather everything up to create your file


  1. Mortgage Underwriting- your file is analyzed and either accepted or denied. Possible reasons for being denied could include: bad credit scores, high debt ratios, or insufficient cash funds.


  1. Approvals & Closing- congrats, your loan was approved! All you have to do now is go to the closing to finalize your purchase.

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