The Home Loan Process
Demystifying Home Loans
Imagine buying your dream home
Connect with a lender to help you make it happen
Our team of local financing experts are ready to guide you through the home buying process. We are committed to fast, professional, courteous and personal service to help you understand and feel at ease throughout the home buying process. Our trained and certified loan originators specialize in financing homes in the San Francisco Bay Area real estate market. We are prepared to find the right loan program with competitive rates and low down payments for you.
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 Preferred Lender
Michael Haigh
Senior Loan Originator | Envoy Mortgage
NMLS # 200819
(415) 269-4461
1141 High Street, Auburn, CA 95603
As your trusted Envoy Mortgage Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate, and make it available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first-time home buyer or a seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
Apply Now
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!
