Buying a home is an exciting step and a big investment. We want you to enjoy the ride, so we’re here to make the process as easy as possible. Whether you’re a first-time homebuyer, buying a luxury house, or investing in property to build your real estate portfolio
Great! You’ve decided to buy a home. Now what? Before beginning the loan process, it’s important to do your (ahem) homework. The process may look complicated, but by following our 5 steps to buy a home, you can have a smooth and successful experience.
One thing to remember: You probably won’t follow these Homebuyer Guide steps exactly as they’re laid out here, and that’s OK. Some steps will be happening simultaneously. You can rely on your loan originator to guide you.
This first step sets the foundation. You and your Quintessential Mortgage Group loan officer will review your credit, align expectations, and explore the financing options that best fit your goals.
This is where we collect key information early, giving us a strong head start and helping the rest of the process move smoothly and efficiently.
Here’s where your partnership matters. Providing your documents promptly helps keep everything moving, as you work with your loan officer to gather items like W-2s, pay stubs, bank statements, and employment history.
We partner with a top-tier appraisal management company to keep things moving efficiently. By holding our partners to high standards, we’re able to streamline what is often one of the most time-consuming steps in the process.
Underwriting is where your loan details are carefully reviewed to confirm everything meets lending guidelines. The underwriter verifies your income, assets, credit, and property information to ensure the loan is sound. You may be asked for a few additional documents or clarifications, which is normal. This step is all about protecting you and the lender while keeping your approval moving toward the finish line.
We work closely with the closing attorney to prepare the final paperwork and confirm the total funds needed for closing. Before the big day, we also review everything to make sure all documents and information are current. If everything checks out, you’re clear to close. All the preparation leading up to this moment is designed to make closing smooth and exciting. Then it’s time to celebrate and enjoy receiving the keys to your new home.
