financing your home
get smart & learn about
the home loan process
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process. 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.
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. 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.
make an offer
& let's close on a home
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!
finance with
Our Lending Partner
Fred Chilton
West Capital Lending, Inc NMLS 1566096 / DRE 02022356
Fred's
approach to the mortgage business is simple: put clients first and
treat them like you would treat a family member. While working with
Fred, you can expect friendly & professional service along with
great communication. He loves to keep his clients and Realtors in the
loop at all times - mortgages are confusing enough already and nobody
wants to be left in the dark during the process.
Why
work with a Broker? At West Capital Lending, Inc. you will be the
center of attention as Fred and his team work with you to evaluate your
goals and financial circumstances. Unlike traditional retail lenders and
banks, a Mortgage Broker has access to many different loan programs
with different lenders. We're here to make the application process as
smooth as possible for you.
Let's Get Started
