Pre-Approval

Have a conversation with your loan officer to discuss rates and a payment you are comfortable with.

House Shopping…

The professionals at LM Realty Group will walk you through each step. They will preview each property before you arrive and fill you in on all the details of that home. We work tirelessly to find you the home that suits your family.

Processing

We have a contract! Now the work begins. Let’s complete the financing process, get inspections, appraisals, and HOA applications.

Underwriting

The underwriter reviews your application and determines final approval. Sometimes this may require further information.

Final Approval / Clear to Close

Your realtor professional will provide you with a list of selective services you may need, such as utility and cable companies, to get you set up for a smooth transition into your new home.

Pre-closing

You will receive a closing disclosure which is signed, usually electronically, to acknowledge you have seen the base figures for your loan. This includes mortgage, interest, insurance, taxes, and any other expenses you incur. You will also receive a closing date.

Closing

On this day, you sign your loan documents, including your deed and mortgage. A valid photo ID is required. Your closing officer will confirm the number of necessary funds and wire the money for closing.