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The Home Loan Process

Demystifying Home Loans

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, from pre-approval to closing. 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, and we’d be happy to introduce you, so you’ll be taken care of.

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.

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!

Disrupting the Industry


To Save You Thousands

The "Zero Plus Loan" from Keller Mortgage is here, and it offers buyers mortgage loans with $0 LENDER FEES!

You deserve the best, and that's what we provide.

Our team's mission is to help our customers achieve the VERY BEST deal possible. To that end, we pride ourselves with maintaining strong relationships with some of the top mortgage lenders in the industry, most of whom live right here in Pensacola. We've recently added Keller Mortgage to our comprehensive list of preferred lenders & we wholeheartedly encourage you to connect with each of them to see which firms offers you the best deal and service.

Inventory is low, so it's imperative that you make the strongest offer possible when there's the possibility for multiple offers! Having access to a mortgage loan with $0 lender fees could be a way to help you make the strongest offer by eliminating the need to ask the seller for additional closing costs assistance.

Reach out to us directly at (850) 471-5029. We'll gladly connect you to Keller Mortgage and our other lender partners.

Choose Your Agent to Get Started 

Don't just take our word for it, get approved today.

Donald Cole 

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Taryn Ward 

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Thomas Henriques

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Tracy Gaines 

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Jessica Stone

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Luker Smith

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Get Started Today

Start The Home Loan Process

The Best Service in the area, we guarantee it.

Don't just take our word for it, we are one of the most positively reviewed real estate companies in the state.

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Find out your monthly or yearly mortgage payment for a prospective home based on your loan amount and the interest rate.

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Selling Your Home

Trusting the sale of your home means putting your faith in our entire network of experts in the Real Estate market, property marketing, and loan processing. We provide seller confidence and work hard to keep our fingers on the pulse of the real estate market, noting fluctuations and corrective strategies that make your home sellable in any market.

We can work together to best decide on the price of your home to sell and are confident that we can find the right buyer for your home.

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