Mortgage Basics
A Simple Guide to Getting a Home Loan
If you’re new to mortgages, you’re not alone.
This page gives you a clear, high-level understanding of how the process works without overwhelming details.
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Step 1: Pre-Approval
We review your income, credit, and goals to determine how much you qualify for and which loan options fit best.
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Step 2: Home Search
With your pre-approval in hand, you can confidently shop within your budget and make strong offers.
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Step 3: Application & Processing
Once under contract, your loan is finalized, documents are reviewed, and details are verified.
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Step 4: Underwriting
The lender confirms everything meets guidelines and issues final approval.
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Step 5: Closing
You sign final documents and receive the keys to your new home.
Credit & Down Payment Basics
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You don’t need perfect credit to buy a home
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Many first-time buyers qualify with less than 20% down
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Credit score, income, and savings all work together
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