How Real Estate Financing Works
Take These Steps to Own Real Property
#1 Discovery
Talk with your Mortgage Loan Officer and discuss your motives, goals, financial capacity, and most importantly, your needs for the mortgage transaction.
To move forward, you must submit all of the following: your completed mortgage loan application, credit report, identification, supporting income, and asset documentation for your Loan Officer to review.
Then the Mortgage Loan Officer can provide a Pre-Qualification Letter for the Real Estate Agent to help you shop for what you can afford to buy.
#2 Shop & Submission
Shop with your Real Estate Agent and make an offer on the property that you want. Then your Mortgage Loan Officer will submit your file to a lender for underwriting review.
#3 Close
Once your mortgage is approved you will sign your loan documents so you can be recorded as the new owner. that's it! Presto!
Follow the Steps to Apply for a Mortgage Loan
Complete a Mortgage Application
Click here to fill out a simple online mortgage application on my secure website. After creating login credentials you'll later be able to upload documents directly to me.
Submit Your Credit Report
Please speak with me first before submitting your credit report. Some types of loans require a soft credit report. If you follow this link it will be a hard inquiry.
Submit ID, Income & Asset Documentation
Using your previously created login you'll be able to upload any requested documentation so Roberto and his Processor can work to close your mortgage loan.
Go Shop for Property with a REALTOR®
Once your Mortgage Loan Officer gives you a Pre-Qualification Letter you are empowered to begin searching for property with the REALTOR of your choice. Team Blueprint USA has Real Estate Agents in various counties to help assist you in your search for your next investment.
Fulfill Loan Conditions
Once your Mortgage Loan Officer and Processor have worked with you to clear all underwriting conditions then we will move on to the Clear-to-Close status and send your loan documents from the lender to the title company for final signing.
Sign Loan Documents & Recording
Signing your mortgage loan documents at the title company or with a notary means that you're almost done. Once complete the title company will balance the loan, then the county recorder will record your name as the new owner so your REALTOR can hand you the keys to your newly purchased property.
Roberto R. Thompson II | NMLS # 1550391 | California Licensed Mortgage Loan Originator
NEXA Mortgage, LLC | 5559 S Sossaman Rd, Bldg 1 Ste 101 Mesa, AZ 85212
Company NMLS # 1660690 | AZMB#0944059 | www.NEXAMortgage.com |
Equal Housing Lender | NMLS Consumer Access Portal |
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