About the Loan Process

	Shopping for a mortgage? We can help! Give us a call at 949-380-6837. Ready to begin? Apply Online Now.

No doubt, a lot involved when you get a mortgage. You wouldn't be here on our website if it were possible to fill out a simple application and receive the best loan check cut the same day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a loan involves four major steps.

Step one: determine how much you can borrow

This is a function of a couple things. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: complete a pre-qualification

This is where the process really begins and Jerry Stoltz can really save you money. You will provide details on your current job, your assets, and residence history. You'll provide information on your employment, asset, and residence history. We will pull get your credit report and score (only after you give your permission. We'll go over all this information and give you a pre-qualification letter. Handle it with care — it is a useful tool for buying your new home! With this letter, your REALTOR® will negotiate the best deal for your new home. The pre-qual letter gives you buying clout! While you're shopping for your new home, we're busy finding the loan program that's right for you.

Step three: apply for your loan

Once you have made the offer and the sellers accept it, you should apply for the loan. It's very easy, and you can apply online, right here on our website. At the end of this step, we'll order the appraisal of your new home.

Step four: your loan is funded

The real estate agents will find a title company to handle the "funding" and closing. We'll coordinate with this company to ensure all the papers your lender needs are avaiailable, and you'll probably}likely sign everything at this company's officeWe work with with the title company on your date of closing. Because you won't have to coordinate this process, you can concentrate on the move, if you're going to repaint, carpet, and all the details of moving into your new house.

You've answered some few questions, given us detailed information, applied , and the next thing you know, you're deciding when to move in! Jerry Stoltz is in the business of mortgage loans; you're not — so take care of the details. Makes sense, doesn't it??

Have questions about the loan process? Call Jerry Stoltz at 949-380-6837. Jerry Stoltz answers loan process questions every day.