Mortgage Loan Process

Get Pre-Qualified

Have an idea how much you can afford.

Find your desired home

Look for houses and enter a contract.

Apply for your loan

Call your mortgage broker or bank and decide whether to go with the fixed/adjustable rate or if you will pay any points.

Get approved

Mortgage Specialist will review your qualification, evaluate your credit and perform title search.

Close your new loan

Work with your lender to finalize your loan and review all charges you are expected to pay at closing.

Refinance Guide

Weight Pros and Cons

Consider to pay more in fees in exchange for a lower rate, extend or reduce your mortgage term, weigh carefully to take cash out…

Price your home

Know what your home is worth. Your lender will request an appraisal to know what your house is worth. Check sold comps and active listings in your neighborhood. Contact Prime 1 about pricing your home.

Gather All Your Documents

Prepare and organize your documentation. Your mortgage lender will request pay stubs, W-2s, tax returns, and bank statements.

Shop several lenders

Shop for a mortgage and make sure you get quotes from multiple lenders. Advantage working with Prime 1 Estates is we have access to multiple lenders. We can shop and compare mortgage rates for you.

Ask About All Fees

Understand all the fees and charges you need to pay to refinance. Review the documents prior you’re expected to sign.