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The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our team 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, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

What are my financing options?

Imagine buying your dream home. Connect with one of our preferred lenders today!

Meet Our Lender

Michael Sapida

Fairway Independent Mortgage
Loan Officer - VA Loan Specialist
MLO: 1564055
NMLS ID #: 2289

Mike is a Southern California transplant who was brought to the Pacific Northwest through the United States Navy where he retired as a Chief Petty Officer after 20 years of honorable service. Carrying over the Navy core values of Honor - Courage - Commitment, to the mortgage industry, Mike's style of communication is clear and 100% transparent for all of his clients. While Mike is fluent in all loan programs, his specialty and expertise is in the VA Loan program and working with his fellow veteran community to make the dream of home ownership a reality.

Let's Get Started

Meet Our Lender

Deborah Mercado

Geneva Financial, LLC
Branch Manager
MLO: 120166
NMLS ID#: 42056

Deborah Mercado’s career as a leading Mortgage Professional started over 26 years ago. As part of her commitment to excellence and customer education related to Mortgage Financing, Deborah dedicates her consultations to educating the consumer and exploring all options, to set them up for success. Whether a 1st time home buyer or the savviest of investors, Deborah realizes the gravity and importance of one of the biggest financial investments this is for any consumer. Surrounding herself with a team, Deborah insures all her clients receive the utmost client concierge treatment.

Let's Get Started

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.

Application & Processing

What happens when a loan goes "live"

When you find 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 examination 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!

Get Started Today

Start the Home Loan Process