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Mortgage Process
Our Straightforward Mortgage Process
The Santalucia Team – Fairway Home Mortgage can help you purchase your dream home with our mortgage process in Glendale, AZ. Our team is ready to help you find a loan that fits your needs and budget with our simple mortgage process.
Gather Your Documents for Pre-Approval
Start our mortgage process by getting pre-approved and using our document checklist to gather everything you need. Our loan officer will review your financial details and help you understand what kind of home fits your budget.
This step gives you a clear price range and helps your real estate agent target homes that match your financial comfort zone. With your pre-approval, you’ll know exactly what you can afford for your new home.
How to Start Your Mortgage Process
Our mortgage process begins when you locate the right home in Glendale, AZ. Your real estate agent will guide you through submitting your application, making an offer, and sending your deposit to bring you closer to closing day.
Find the Right Property
Work with a local real estate agent to locate your ideal home in Glendale, AZ. Your agent will help you submit an offer when you find a home you love. Once your offer is accepted, you’re ready to move to the next step in the mortgage process.
Complete Your Application
Now that you've chosen a property, one of our loan officers can start your mortgage application. You must provide the property address and key documents in our document checklist. Ensure that you provide accurate information for a smooth process.
Make an Offer and Deposit
You sign a purchase contract when you agree with the seller on a price. Our team receives this contract and your earnest money deposit. It demonstrates your commitment and allows us to prepare the loan disclosures and move the process forward.
Final Approval and Closing Steps
Once your loan receives approval, we move quickly to wrap things up. From appraisal and underwriting to final signing and funding, here’s how we guide you through each step to prepare you for the day of moving into your new home:
- Our team orders the home appraisal for you and submits it to underwriting. The underwriter reviews your application and may ask for more information. Once your file meets all requirements, we’ll issue the final loan approval.
- After approval, we send your closing disclosure with the final loan terms and costs. We also share closing documents with the title company. Then, we’ll contact you with the amount you need to bring to your closing.
- You’ll meet at the title company to sign all closing documents. Bring your government-issued photo ID and payment for closing costs. Once you sign your documents and funds are confirmed, you receive the keys to your home.
Trust Our Reliable Mortgage Process
The Santalucia Team – Fairway Home Mortgage is here to assist new and experienced homeowners with our mortgage process in Glendale, AZ. Our team of experts oversees your mortgage process to move you into your ideal home promptly. With a straightforward process and clear communication, we’re ready to help you purchase your dream home. Contact us today to start your exciting path to homeownership with the perfect mortgage to match your needs and budget.
Your Trusted Team for Purchase Loans
The The Santalucia Team – Fairway Home Mortgage team can match you with the right purchase loan. Let’s talk about your plans and find one that works.Apply Now