{"id":4721,"date":"2016-09-28T11:30:07","date_gmt":"2016-09-28T11:30:07","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=4721"},"modified":"2020-07-13T22:33:02","modified_gmt":"2020-07-13T22:33:02","slug":"mortgage-process-explained","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/mortgage-process-explained\/","title":{"rendered":"Mortgage Process Explained for Buyers"},"content":{"rendered":"<h2>Mortgage Process from A to Z<\/h2>\n<p>Are you a first time homebuyer or\u00a0been a while since you last purchased a home?\u00a0 Then, we have prepared a comprehensive summary of what to expect from prequalification to closing.\u00a0 Therefore, we describe each step of the mortgage process so that you know what to expect.\u00a0 Our process\u00a0divides into 3 major segments\u00a0called\u00a0Gather, Process, and Move-In.\u00a0 In addition to reading the list, check out the more detailed explanations, as well as relevant article links.<\/p>\n<h2>Mortgage Process Comprehensive List<\/h2>\n<p><strong>Gather<\/strong><\/p>\n<ul>\n<li>Initial discussion of buyer goals and scenario<\/li>\n<li>Completing loan pre-application &amp; pull credit report<\/li>\n<li>Loan Pre-Approval<\/li>\n<li>Provide detailed list of items needed to process file<\/li>\n<li>Loan program examples given &amp; explained<\/li>\n<li>Prequalification letter provided to buyer and agent<\/li>\n<li>Buyer provides complete documentation up-front<\/li>\n<\/ul>\n<p><strong>Process<\/strong><\/p>\n<ul>\n<li>Processing &#8211; Gather &amp; review file documentation\n<p><figure id=\"attachment_4723\" aria-describedby=\"caption-attachment-4723\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4723 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/09\/Football-plays-1-300x202.jpg\" alt=\"mortgage process for buyers\" width=\"300\" height=\"202\" \/><figcaption id=\"caption-attachment-4723\" class=\"wp-caption-text\">We have a game plan for your purchase<\/figcaption><\/figure><\/li>\n<li>Purchase contract executed<\/li>\n<li>Interest rate lock<\/li>\n<li>Provide &amp; Explain mortgage disclosures<\/li>\n<li>Order services &amp; finalize processing<\/li>\n<li>Submit file to underwriting<\/li>\n<li>Underwriting approval<\/li>\n<li>Appraisal received &amp; provided to buyer<\/li>\n<li>Final conditions received &amp; submitted<\/li>\n<li>Final approval and clear to close<\/li>\n<\/ul>\n<p><strong>Close &amp; Move In!<\/strong><\/p>\n<ul>\n<li>Closing Disclosure Provided &amp; Explained<\/li>\n<li>Attend Closing<\/li>\n<li>Get the keys!<\/li>\n<\/ul>\n<p>Not quite ready to buy?\u00a0 Then read our popular 7 article series: <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/07\/25\/mortgage-approval-credit-requirements\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>&#8220;I want to buy a home in less than a year or less!&#8221;\u00a0 Your Roadmap to get HOME<\/strong><\/span><\/a>.\u00a0 This series gives you in depth instructions to become an educated &amp; happy\u00a0homeowner.<\/p>\n<h2>Gathering Portion of the Mortgage Process<\/h2>\n<p>Homeownership begins with a thorough discussion between the buyer and loan officer.\u00a0 During this discovery phase, expect <strong>questions about income, credit, rent, and assets<\/strong>.\u00a0 Additionally, we ask about your <strong>goals which include payment and cash to close comfort levels<\/strong>.\u00a0 Then, we start the <strong>pre-approval process<\/strong> by using our automated systems as well as our expert review.\u00a0 Next,\u00a0the buyer and their agent\u00a0<strong>receive a\u00a0pre-qualification letter<\/strong>.\u00a0 Additionally, we provide\u00a0a <span style=\"text-decoration: underline;\"><strong>detailed list of items catered to your specific scenario<\/strong><\/span>.\u00a0 Our goal is to <strong>build a very complete file<\/strong> that is ready for full underwriting even before your purchase contract!<\/p>\n<p>Furthermore, we <strong>thoroughly explain mortgage options\u00a0<\/strong>and <strong>answer buyer questions<\/strong>.\u00a0 We will even tell you questions you should be asking just to be very complete.\u00a0 Within a few days, the plan is to <strong>have all requested documentation. \u00a0<\/strong>Then, we\u00a0move to the next stage &#8211; Processing.<\/p>\n<ul>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/02\/18\/understanding-the-levels-of-prequalification-letters-for-buyers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>Pre-qualification Letters:\u00a0 Understand the Levels of each<\/strong><\/span><\/a><b><u><\/u><\/b><\/li>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/10\/12\/closing-costs-home-purchase\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>Understand Possible Closing Costs When Buying a Home<\/strong><\/span><\/a><\/li>\n<\/ul>\n<h2>Processing the Documentation<\/h2>\n<p>Our team of processors <strong>review, organize, and process the paper work<\/strong>.\u00a0 In other words, we will order verifications of employment and rent among other processes.\u00a0 \u00a0Once under contract on a home, we <strong>thoroughly review<\/strong> it &amp; enter details into our system.\u00a0 The buyer then <strong>provides the <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/04\/16\/homeowners-insurance-tips-for-buyers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">insurance quote<\/span><\/a> and choice of closing\u00a0attorney<\/strong>.\u00a0\u00a0So the buyer\u00a0can make an informed product decision, we<strong> thoroughly discuss loan options and terms<\/strong>.\u00a0\u00a0If desired, the rate may be locked at this point.\u00a0\u00a0Then, we <strong>provide and explain disclosures<\/strong>.<\/p>\n<p>Once disclosures are signed, we\u00a0can<strong> order the <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/appraisal-requirements-tips\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">appraisal<\/span><\/a>, title search, <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/10\/10\/flood-insurance-requirements\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">flood certification<\/span><\/a>, and other services<\/strong>.\u00a0 Meanwhile, we <strong>finalize processing<\/strong>\u00a0and the\u00a0next step is <strong>underwriting submission<\/strong>.\u00a0 Typically, we receive the <strong>underwriting approval prior to appraisal receipt<\/strong>.\u00a0\u00a0Next we gather the remaining underwriting conditions.\u00a0 Once the <strong>appraisal is received<\/strong>, we email an original to our buyer plus we provide an easy to understand summary.\u00a0 At this point, we expect to receive a <strong>final approval<\/strong> quickly.\u00a0 Finally, the <strong>file moves into the closing department.<\/strong><\/p>\n<h2>Closing and Move-In Segment<\/h2>\n<p>This is when it gets exciting!\u00a0 Moving day is not far off!\u00a0 First,\u00a0our closing department\u00a0will <strong>coordinate final <img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-4743\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/09\/realtor-giving-the-keys-to-buyer-300x194.jpg\" alt=\"mortgage process - closing and getting the keys\" width=\"300\" height=\"194\" \/>numbers<\/strong> with the buyer&#8217;s attorney.\u00a0 3 days prior to closing,\u00a0the\u00a0<strong><a href=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/07\/Closing-Disclosure-Example.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">Closing Disclosure\u00a0<\/span><\/a>is provided to the buyers<\/strong>.\u00a0\u00a0Our loan officer will <strong>explain the final numbers\u00a0line by line<\/strong>.\u00a0 This is to ensure the <strong>buyer is fully ready for closing<\/strong>.\u00a0 Finally closing day is here and <strong>we will be there to support<\/strong> as well as congratulate our buyer.\u00a0\u00a0The closing attorney\u00a0or settlement company <strong>explains the closing docs and the buyer signs all docs<\/strong>.\u00a0 Once the\u00a0signing is complete, we get the most popular question.\u00a0 &#8220;<strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/19\/i-have-signed-my-closing-papers-so-when-do-i-get-the-keys\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">I have signed my closing papers, so when do I get my keys?<\/span><\/a><\/strong>&#8220;.\u00a0 So check out the article about the keys.<\/p>\n<ul>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/07\/19\/dont-be-surprised-10-important-steps-to-be-ready-for-closing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>Don&#8217;t Be Surprised &#8211; 10 Important Steps to be Ready for Closing<\/strong><\/span><\/a><\/li>\n<\/ul>\n<h2>What Happens Between Closing and First Payment?<\/h2>\n<p>The deed is recorded!\u00a0 You are now a homeowner!\u00a0 Besides\u00a0moving in, there are a few other areas to know.\u00a0 First of all, put your closing paperwork copies, appraisal, home inspection, and others in a safe place.\u00a0 Watch out for lots of junk mail offers\u00a0filling up your mailbox.\u00a0 One such offer is bi-weekly mortgage payments and <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/08\/02\/should-you-enroll-in-bi-weekly-mortgage-payments-learn-the-truth-behind-numbers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>see our recommendation on this here<\/strong><\/span><\/a>.\u00a0 Additionally, there are offers for mortgage protection.\u00a0 This means term life insurance basically, so review your life and disability with an agent you trust.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Process from A to Z Are you a first time homebuyer or\u00a0been a while since you last purchased a home?\u00a0 Then, we have prepared a comprehensive summary of what to expect from prequalification to closing.\u00a0 Therefore, we describe each step of the mortgage process so that you know what to expect.\u00a0 Our process\u00a0divides into [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4744,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,40],"tags":[422,9,786,648,787,643],"class_list":["post-4721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-tips","tag-closing-disclosure","tag-first-time-buyers","tag-insurance-quote","tag-mortgage-process","tag-mortgage-processing","tag-prequalification"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Process Explained from Initial Conversation to Closing<\/title>\n<meta name=\"description\" content=\"The mortgage process can be intimidating if you don&#039;t know what to expect. 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