_(1)1.png){kind=logo}
The Home Loan Process
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming but I 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, I partner with some of the best lenders in the industry, and we're happy to introduce you, so you’ll be taken care of.
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 and 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.
Finance with our Lenders
Nic Campbell
NMLS ID #278737
(920) 243-8718
4321 W. College Ave. Suite 200, Office 209 Appleton, WI 54914
As a mortgage professional, my number one goal is to provide the best possible service to my clients. When you work with me to purchase or refinance your home, you will have access to me at all times, and will be kept up to date on the progress of your loan throughout the process. I understand how stressful the process can be, and realize how important it is to communicate as we work to get you to the closing table. I believe that building a successful business in the mortgage industry requires a customer centric approach, and this is what you will experience when working with me. I have partnered with a team at Nations Lending with the same goals, and approach in mind. Together, we are dedicated to making the home buying or refinancing process a positive one!
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!
