The Buying Experience
Getting pre-approved* is the first and most important step in the home buying process. Reach out to your mortgage loan originator and have an introductory phone call to talk about your short and long term needs and goals, then use our Apply Now link to enter your loan application.
Additionally, you will need to gather the documents listed on an Items Needed List provided by your mortgage loan originator(or you can view the lists on our site under the Documents Needed tab). Once all those items are received, the team will review your documentation and credit and give you a call back to review and issue your pre-approval letter.
* A pre-approval is not transferrable and is not a mortgage commitment, final loan approval, or commitment to lend.
Find A Home
Once you are in contract, the team will begin processing your loan and completing third party verifications. This includes but is not limited verification of employment, rent, and tax return validation. Additionally, we will order the title work for your new property, the appraisal, and you will need to decide who your homeowners insurance provider will be. We may also need to update out of date documentation (everything needs to be within 30 days of closing) and will need to source your funds for closing.
Funding occurs when both you and the seller sign all paperwork and it is sent back to the lender to approve. This generally takes around forty-five minutes to one hour after all parties sign. Upon completion, you will receive the keys to your new home!
“As a business executive, it can be challenging for organizations to hold up to the level of standards that I require. With The Hargrave Group, this was not a problem. Erik’s due diligence, high level of integrity and his ability to agile, assisted my in closing my loan in record time. They delivered on everything they promised and it was a great pleasure to work with Erik and his group. His personal attention, expectation setting, and follow-up was very refreshing and I highly recommend Erik and The Hargrave Group.” – Chad and Shanna H. of Frisco, TX (via Facebook)
Click the link below to view all documents needed during the loan process.